Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$294,347Cash toward the purchase price.
Closing costs + prepaids$12,538Not just lender fees.
Before credits & paid funds$306,885The complete starting cash picture.
Estimated remaining funds due at closing
$306,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,346.89
Your down payment$294,346.89
Closing costs + prepaids$12,538.06
Total buyer cash needed$306,884.96
Remaining funds due$306,884.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$533.50
Initial HOA (3 months)$303.00
Prepaid interest, first (1 days)$27.56
Fees + prepaids$12,538.06
Your down payment is the seller’s equity. You take over the $225,553 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $306,884.96 is due at closing. Uses and sources reconcile at $532,438.06 each. Not a Closing Disclosure.