Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$285,554Cash toward the purchase price.
Closing costs + prepaids$14,842Not just lender fees.
Before credits & paid funds$300,395The complete starting cash picture.
Estimated remaining funds due at closing
$300,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,553.89
Your down payment$285,553.89
Closing costs + prepaids$14,841.54
Total buyer cash needed$300,395.42
Remaining funds due$300,395.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$2,574.50
Initial HOA (3 months)$57.00
Prepaid interest, first (18 days)$385.04
Fees + prepaids$14,841.54
Your down payment is the seller’s equity. You take over the $249,446 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $300,395.42 is due at closing. Uses and sources reconcile at $549,841.54 each. Not a Closing Disclosure.