Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$269,425Cash toward the purchase price.
Closing costs + prepaids$15,266Not just lender fees.
Before credits & paid funds$284,690The complete starting cash picture.
Estimated remaining funds due at closing
$284,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,424.55
Your down payment$269,424.55
Closing costs + prepaids$15,265.66
Total buyer cash needed$284,690.21
Remaining funds due$284,690.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,959.00
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)$778.25
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$1,813.41
Fees + prepaids$15,265.66
Your down payment is the seller’s equity. You take over the $326,475 balance, so the rest of the $595,900 price is paid at closing. A second mortgage can cover part of it. $284,690.21 is due at closing. Uses and sources reconcile at $611,165.66 each. Not a Closing Disclosure.