Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$324,141Cash toward the purchase price.
Closing costs + prepaids$13,994Not just lender fees.
Before credits & paid funds$338,134The complete starting cash picture.
Estimated remaining funds due at closing
$338,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,140.71
Your down payment$324,140.71
Closing costs + prepaids$13,993.74
Total buyer cash needed$338,134.45
Remaining funds due$338,134.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,989.99
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)$1,497.50
Prepaid interest, first (1 days)$31.25
Fees + prepaids$13,993.74
Your down payment is the seller’s equity. You take over the $274,858 balance, so the rest of the $598,999 price is paid at closing. A second mortgage can cover part of it. $338,134.45 is due at closing. Uses and sources reconcile at $612,992.74 each. Not a Closing Disclosure.