Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$275,411Cash toward the purchase price.
Closing costs + prepaids$15,359Not just lender fees.
Before credits & paid funds$290,770The complete starting cash picture.
Estimated remaining funds due at closing
$290,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,410.68
Your down payment$275,410.68
Closing costs + prepaids$15,359.23
Total buyer cash needed$290,769.91
Remaining funds due$290,769.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$1,497.50
Initial HOA (3 months)$285.00
Prepaid interest, first (30 days)$1,111.73
Fees + prepaids$15,359.23
Your down payment is the seller’s equity. You take over the $323,589 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $290,769.91 is due at closing. Uses and sources reconcile at $614,359.23 each. Not a Closing Disclosure.