Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$362,452Cash toward the purchase price.
Closing costs + prepaids$12,875Not just lender fees.
Before credits & paid funds$375,328The complete starting cash picture.
Estimated remaining funds due at closing
$375,328No 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$12,875.37
Total buyer cash needed$375,327.61
Remaining funds due$375,327.61
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)$636.00
Initial HOA (3 months)$324.99
Prepaid interest, first (9 days)$140.38
Fees + prepaids$12,875.37
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. $375,327.61 is due at closing. Uses and sources reconcile at $542,775.37 each. Not a Closing Disclosure.