Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$231,805Cash toward the purchase price.
Closing costs + prepaids$14,854Not just lender fees.
Before credits & paid funds$246,659The complete starting cash picture.
Estimated remaining funds due at closing
$246,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,805.25
Your down payment$231,805.25
Closing costs + prepaids$14,853.51
Total buyer cash needed$246,658.76
Remaining funds due$246,658.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,337.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (25 days)$596.01
Fees + prepaids$14,853.51
Your down payment is the seller’s equity. You take over the $303,195 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $246,658.76 is due at closing. Uses and sources reconcile at $549,853.51 each. Not a Closing Disclosure.