Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$381,224Cash toward the purchase price.
Closing costs + prepaids$12,869Not just lender fees.
Before credits & paid funds$394,093The complete starting cash picture.
Estimated remaining funds due at closing
$394,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,223.99
Your down payment$381,223.99
Closing costs + prepaids$12,868.91
Total buyer cash needed$394,092.89
Remaining funds due$394,092.89
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)$642.00
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$161.91
Fees + prepaids$12,868.91
Your down payment is the seller’s equity. You take over the $153,776 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $394,092.89 is due at closing. Uses and sources reconcile at $547,868.91 each. Not a Closing Disclosure.