Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$309,291Cash toward the purchase price.
Closing costs + prepaids$13,189Not just lender fees.
Before credits & paid funds$322,479The complete starting cash picture.
Estimated remaining funds due at closing
$322,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,290.53
Your down payment$309,290.53
Closing costs + prepaids$13,188.95
Total buyer cash needed$322,479.48
Remaining funds due$322,479.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.98
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)$904.75
Initial HOA (3 months)$157.50
Prepaid interest, first (25 days)$451.72
Fees + prepaids$13,188.95
Your down payment is the seller’s equity. You take over the $210,707 balance, so the rest of the $519,998 price is paid at closing. A second mortgage can cover part of it. $322,479.48 is due at closing. Uses and sources reconcile at $533,186.95 each. Not a Closing Disclosure.