Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$306,019Cash toward the purchase price.
Closing costs + prepaids$15,062Not just lender fees.
Before credits & paid funds$321,081The complete starting cash picture.
Estimated remaining funds due at closing
$321,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,019.01
Your down payment$306,019.01
Closing costs + prepaids$15,062.01
Total buyer cash needed$321,081.01
Remaining funds due$321,081.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,380.00
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)$1,345.00
Initial HOA (3 months)$1,290.00
Prepaid interest, first (24 days)$572.01
Fees + prepaids$15,062.01
Your down payment is the seller’s equity. You take over the $231,981 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $321,081.01 is due at closing. Uses and sources reconcile at $553,062.01 each. Not a Closing Disclosure.