Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$309,338Cash toward the purchase price.
Closing costs + prepaids$14,185Not just lender fees.
Before credits & paid funds$323,523The complete starting cash picture.
Estimated remaining funds due at closing
$323,523No 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$14,184.97
Total buyer cash needed$323,523.18
Remaining funds due$323,523.18
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)$975.25
Initial HOA (3 months)$18.75
Prepaid interest, first (27 days)$715.98
Fees + prepaids$14,184.97
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. $323,523.18 is due at closing. Uses and sources reconcile at $614,183.97 each. Not a Closing Disclosure.