Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$221,556Cash toward the purchase price.
Closing costs + prepaids$13,306Not just lender fees.
Before credits & paid funds$234,862The complete starting cash picture.
Estimated remaining funds due at closing
$234,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,556.08
Your down payment$221,556.08
Closing costs + prepaids$13,305.89
Total buyer cash needed$234,861.97
Remaining funds due$234,861.97
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)$646.75
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$659.14
Fees + prepaids$13,305.89
Your down payment is the seller’s equity. You take over the $308,444 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $234,861.97 is due at closing. Uses and sources reconcile at $543,305.89 each. Not a Closing Disclosure.