Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$345,550Cash toward the purchase price.
Closing costs + prepaids$12,953Not just lender fees.
Before credits & paid funds$358,503The complete starting cash picture.
Estimated remaining funds due at closing
$358,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,549.97
Your down payment$345,549.97
Closing costs + prepaids$12,952.96
Total buyer cash needed$358,502.93
Remaining funds due$358,502.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,270.00
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)$493.75
Initial HOA (3 months)$180.00
Prepaid interest, first (27 days)$534.21
Fees + prepaids$12,952.96
Your down payment is the seller’s equity. You take over the $181,450 balance, so the rest of the $527,000 price is paid at closing. A second mortgage can cover part of it. $358,502.93 is due at closing. Uses and sources reconcile at $539,952.96 each. Not a Closing Disclosure.