Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$322,435Cash toward the purchase price.
Closing costs + prepaids$12,427Not just lender fees.
Before credits & paid funds$334,862The complete starting cash picture.
Estimated remaining funds due at closing
$334,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,434.88
Your down payment$322,434.88
Closing costs + prepaids$12,427.15
Total buyer cash needed$334,862.03
Remaining funds due$334,862.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$612.00
Initial HOA (3 months)$57.00
Prepaid interest, first (9 days)$183.15
Fees + prepaids$12,427.15
Your down payment is the seller’s equity. You take over the $187,565 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $334,862.03 is due at closing. Uses and sources reconcile at $522,427.15 each. Not a Closing Disclosure.