Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$337,422Cash toward the purchase price.
Closing costs + prepaids$14,801Not just lender fees.
Before credits & paid funds$352,222The complete starting cash picture.
Estimated remaining funds due at closing
$352,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,421.76
Your down payment$337,421.76
Closing costs + prepaids$14,800.69
Total buyer cash needed$352,222.44
Remaining funds due$352,222.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$1,325.00
Initial HOA (3 months)$1,185.00
Prepaid interest, first (27 days)$515.69
Fees + prepaids$14,800.69
Your down payment is the seller’s equity. You take over the $192,578 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $352,222.44 is due at closing. Uses and sources reconcile at $544,800.69 each. Not a Closing Disclosure.