Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$293,208Cash toward the purchase price.
Closing costs + prepaids$12,862Not just lender fees.
Before credits & paid funds$306,070The complete starting cash picture.
Estimated remaining funds due at closing
$306,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,207.58
Your down payment$293,207.58
Closing costs + prepaids$12,862.00
Total buyer cash needed$306,069.58
Remaining funds due$306,069.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$490.50
Prepaid interest, first (27 days)$746.50
Fees + prepaids$12,862.00
Your down payment is the seller’s equity. You take over the $221,792 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $306,069.58 is due at closing. Uses and sources reconcile at $527,862.00 each. Not a Closing Disclosure.