Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$317,459Cash toward the purchase price.
Closing costs + prepaids$19,371Not just lender fees.
Before credits & paid funds$336,830The complete starting cash picture.
Estimated remaining funds due at closing
$336,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,458.61
Your down payment$317,458.61
Closing costs + prepaids$19,371.35
Total buyer cash needed$336,829.96
Remaining funds due$336,829.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,299.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,325.00
Initial HOA (3 months)$420.00
Prepaid interest, first (2 days)$101.36
Fees + prepaids$19,371.35
Your down payment is the seller’s equity. You take over the $612,540 balance, so the rest of the $929,999 price is paid at closing. A second mortgage can cover part of it. $336,829.96 is due at closing. Uses and sources reconcile at $949,370.35 each. Not a Closing Disclosure.