Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$373,596Cash toward the purchase price.
Closing costs + prepaids$13,280Not just lender fees.
Before credits & paid funds$386,876The complete starting cash picture.
Estimated remaining funds due at closing
$386,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,596.06
Your down payment$373,596.06
Closing costs + prepaids$13,280.03
Total buyer cash needed$386,876.09
Remaining funds due$386,876.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.50
Initial HOA (3 months)$315.00
Prepaid interest, first (22 days)$556.53
Fees + prepaids$13,280.03
Your down payment is the seller’s equity. You take over the $154,404 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $386,876.09 is due at closing. Uses and sources reconcile at $541,280.03 each. Not a Closing Disclosure.