Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$362,452Cash toward the purchase price.
Closing costs + prepaids$13,096Not just lender fees.
Before credits & paid funds$375,549The complete starting cash picture.
Estimated remaining funds due at closing
$375,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,452.24
Your down payment$362,452.24
Closing costs + prepaids$13,096.30
Total buyer cash needed$375,548.53
Remaining funds due$375,548.53
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)$669.75
Initial HOA (3 months)$324.99
Prepaid interest, first (21 days)$327.56
Fees + prepaids$13,096.30
Your down payment is the seller’s equity. You take over the $167,448 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $375,548.53 is due at closing. Uses and sources reconcile at $542,996.30 each. Not a Closing Disclosure.