Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$214,940Cash toward the purchase price.
Closing costs + prepaids$14,681Not just lender fees.
Before credits & paid funds$229,621The complete starting cash picture.
Estimated remaining funds due at closing
$229,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,940.14
Your down payment$214,940.14
Closing costs + prepaids$14,681.02
Total buyer cash needed$229,621.16
Remaining funds due$229,621.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,538.25
Initial HOA (3 months)$72.00
Prepaid interest, first (26 days)$1,296.77
Fees + prepaids$14,681.02
Your down payment is the seller’s equity. You take over the $314,960 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $229,621.16 is due at closing. Uses and sources reconcile at $544,581.02 each. Not a Closing Disclosure.