Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$254,222Cash toward the purchase price.
Closing costs + prepaids$13,999Not just lender fees.
Before credits & paid funds$268,221The complete starting cash picture.
Estimated remaining funds due at closing
$268,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,222.09
Your down payment$254,222.09
Closing costs + prepaids$13,998.68
Total buyer cash needed$268,220.77
Remaining funds due$268,220.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$549.25
Initial HOA (3 months)$336.00
Prepaid interest, first (30 days)$788.43
Fees + prepaids$13,998.68
Your down payment is the seller’s equity. You take over the $330,778 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $268,220.77 is due at closing. Uses and sources reconcile at $598,998.68 each. Not a Closing Disclosure.