Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$344,327Cash toward the purchase price.
Closing costs + prepaids$12,241Not just lender fees.
Before credits & paid funds$356,568The complete starting cash picture.
Estimated remaining funds due at closing
$356,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,327.18
Your down payment$344,327.18
Closing costs + prepaids$12,241.00
Total buyer cash needed$356,568.19
Remaining funds due$356,568.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$478.00
Initial HOA (3 months)$122.01
Prepaid interest, first (1 days)$15.99
Fees + prepaids$12,241.00
Your down payment is the seller’s equity. You take over the $170,673 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $356,568.19 is due at closing. Uses and sources reconcile at $527,241.00 each. Not a Closing Disclosure.