Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,523Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$208,645The complete starting cash picture.
Estimated remaining funds due at closing
$208,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,523.05
Your down payment$194,523.05
Closing costs + prepaids$14,122.28
Total buyer cash needed$208,645.34
Remaining funds due$208,645.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,220.00
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)$1,355.25
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$937.03
Fees + prepaids$14,122.28
Your down payment is the seller’s equity. You take over the $327,477 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $208,645.34 is due at closing. Uses and sources reconcile at $536,122.28 each. Not a Closing Disclosure.