Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$301,918Cash toward the purchase price.
Closing costs + prepaids$14,217Not just lender fees.
Before credits & paid funds$316,135The complete starting cash picture.
Estimated remaining funds due at closing
$316,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,917.55
Your down payment$301,917.55
Closing costs + prepaids$14,217.16
Total buyer cash needed$316,134.72
Remaining funds due$316,134.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$822.75
Prepaid interest, first (30 days)$769.41
Fees + prepaids$14,217.16
Your down payment is the seller’s equity. You take over the $313,082 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $316,134.72 is due at closing. Uses and sources reconcile at $629,217.16 each. Not a Closing Disclosure.