Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$315,544Cash toward the purchase price.
Closing costs + prepaids$12,671Not just lender fees.
Before credits & paid funds$328,215The complete starting cash picture.
Estimated remaining funds due at closing
$328,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,544.27
Your down payment$315,544.27
Closing costs + prepaids$12,670.91
Total buyer cash needed$328,215.17
Remaining funds due$328,215.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,298.00
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)$556.00
Initial HOA (3 months)$320.01
Prepaid interest, first (1 days)$21.90
Fees + prepaids$12,670.91
Your down payment is the seller’s equity. You take over the $214,256 balance, so the rest of the $529,800 price is paid at closing. A second mortgage can cover part of it. $328,215.17 is due at closing. Uses and sources reconcile at $542,470.91 each. Not a Closing Disclosure.