Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$310,563Cash toward the purchase price.
Closing costs + prepaids$12,764Not just lender fees.
Before credits & paid funds$323,327The complete starting cash picture.
Estimated remaining funds due at closing
$323,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,563.24
Your down payment$310,563.24
Closing costs + prepaids$12,763.74
Total buyer cash needed$323,326.99
Remaining funds due$323,326.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$558.00
Initial HOA (3 months)$111.00
Prepaid interest, first (1 days)$29.74
Fees + prepaids$12,763.74
Your down payment is the seller’s equity. You take over the $248,437 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $323,326.99 is due at closing. Uses and sources reconcile at $571,763.74 each. Not a Closing Disclosure.