Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$218,605Cash toward the purchase price.
Closing costs + prepaids$14,186Not just lender fees.
Before credits & paid funds$232,791The complete starting cash picture.
Estimated remaining funds due at closing
$232,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,605.15
Your down payment$218,605.15
Closing costs + prepaids$14,185.72
Total buyer cash needed$232,790.87
Remaining funds due$232,790.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,300.00
Initial HOA (3 months)$528.00
Prepaid interest, first (26 days)$682.72
Fees + prepaids$14,185.72
Your down payment is the seller’s equity. You take over the $301,395 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $232,790.87 is due at closing. Uses and sources reconcile at $534,185.72 each. Not a Closing Disclosure.