Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$345,008Cash toward the purchase price.
Closing costs + prepaids$12,439Not just lender fees.
Before credits & paid funds$357,446The complete starting cash picture.
Estimated remaining funds due at closing
$357,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,007.87
Your down payment$345,007.87
Closing costs + prepaids$12,438.59
Total buyer cash needed$357,446.47
Remaining funds due$357,446.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,270.00
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)$493.75
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$19.84
Fees + prepaids$12,438.59
Your down payment is the seller’s equity. You take over the $181,992 balance, so the rest of the $527,000 price is paid at closing. A second mortgage can cover part of it. $357,446.47 is due at closing. Uses and sources reconcile at $539,438.59 each. Not a Closing Disclosure.