Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$296,817Cash toward the purchase price.
Closing costs + prepaids$15,120Not just lender fees.
Before credits & paid funds$311,938The complete starting cash picture.
Estimated remaining funds due at closing
$311,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,817.16
Your down payment$296,817.16
Closing costs + prepaids$15,120.39
Total buyer cash needed$311,937.56
Remaining funds due$311,937.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,589.90
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)$1,680.50
Initial HOA (3 months)$246.00
Prepaid interest, first (4 days)$128.99
Fees + prepaids$15,120.39
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $658,990 price is paid at closing. A second mortgage can cover part of it. $311,937.56 is due at closing. Uses and sources reconcile at $674,110.39 each. Not a Closing Disclosure.