Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$309,338Cash toward the purchase price.
Closing costs + prepaids$13,452Not just lender fees.
Before credits & paid funds$322,791The complete starting cash picture.
Estimated remaining funds due at closing
$322,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,338.21
Your down payment$309,338.21
Closing costs + prepaids$13,452.40
Total buyer cash needed$322,790.61
Remaining funds due$322,790.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$720.00
Initial HOA (3 months)$18.75
Prepaid interest, first (9 days)$238.66
Fees + prepaids$13,452.40
Your down payment is the seller’s equity. You take over the $290,661 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $322,790.61 is due at closing. Uses and sources reconcile at $613,451.40 each. Not a Closing Disclosure.