Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$251,614Cash toward the purchase price.
Closing costs + prepaids$13,537Not just lender fees.
Before credits & paid funds$265,151The complete starting cash picture.
Estimated remaining funds due at closing
$265,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,613.76
Your down payment$251,613.76
Closing costs + prepaids$13,536.74
Total buyer cash needed$265,150.51
Remaining funds due$265,150.51
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)$562.25
Initial HOA (3 months)$438.51
Prepaid interest, first (1 days)$60.99
Fees + prepaids$13,536.74
Your down payment is the seller’s equity. You take over the $348,385 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $265,150.51 is due at closing. Uses and sources reconcile at $613,535.74 each. Not a Closing Disclosure.