Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$269,042Cash toward the purchase price.
Closing costs + prepaids$13,569Not just lender fees.
Before credits & paid funds$282,612The complete starting cash picture.
Estimated remaining funds due at closing
$282,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,042.47
Your down payment$269,042.47
Closing costs + prepaids$13,569.38
Total buyer cash needed$282,611.85
Remaining funds due$282,611.85
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 (2 days)$117.13
Fees + prepaids$13,569.38
Your down payment is the seller’s equity. You take over the $326,858 balance, so the rest of the $595,900 price is paid at closing. A second mortgage can cover part of it. $282,611.85 is due at closing. Uses and sources reconcile at $609,469.38 each. Not a Closing Disclosure.