Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$349Cash toward the purchase price.
Closing costs + prepaids$12,109Not just lender fees.
Before credits & paid funds$12,459The complete starting cash picture.
Estimated remaining funds due at closing
$12,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349.47
Your down payment$349.47
Closing costs + prepaids$12,109.26
Total buyer cash needed$12,458.72
Remaining funds due$12,458.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$72.25
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$97.01
Fees + prepaids$12,109.26
Your down payment is the seller’s equity. You take over the $514,651 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $12,458.72 is due at closing. Uses and sources reconcile at $527,109.26 each. Not a Closing Disclosure.