Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$308,663Cash toward the purchase price.
Closing costs + prepaids$13,496Not just lender fees.
Before credits & paid funds$322,158The complete starting cash picture.
Estimated remaining funds due at closing
$322,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,662.70
Your down payment$308,662.70
Closing costs + prepaids$13,495.57
Total buyer cash needed$322,158.27
Remaining funds due$322,158.27
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 (1 days)$26.58
Fees + prepaids$13,495.57
Your down payment is the seller’s equity. You take over the $291,336 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $322,158.27 is due at closing. Uses and sources reconcile at $613,494.57 each. Not a Closing Disclosure.