Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$209,625Cash toward the purchase price.
Closing costs + prepaids$13,562Not just lender fees.
Before credits & paid funds$223,187The complete starting cash picture.
Estimated remaining funds due at closing
$223,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,624.90
Your down payment$209,624.90
Closing costs + prepaids$13,562.33
Total buyer cash needed$223,187.22
Remaining funds due$223,187.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$895.50
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$622.83
Fees + prepaids$13,562.33
Your down payment is the seller’s equity. You take over the $320,275 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $223,187.22 is due at closing. Uses and sources reconcile at $543,462.33 each. Not a Closing Disclosure.