Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$298,856Cash toward the purchase price.
Closing costs + prepaids$13,512Not just lender fees.
Before credits & paid funds$312,368The complete starting cash picture.
Estimated remaining funds due at closing
$312,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,855.73
Your down payment$298,855.73
Closing costs + prepaids$13,511.97
Total buyer cash needed$312,367.69
Remaining funds due$312,367.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$697.50
Initial HOA (3 months)$711.00
Prepaid interest, first (1 days)$29.47
Fees + prepaids$13,511.97
Your down payment is the seller’s equity. You take over the $261,044 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $312,367.69 is due at closing. Uses and sources reconcile at $573,411.97 each. Not a Closing Disclosure.