Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$284,097Cash toward the purchase price.
Closing costs + prepaids$14,578Not just lender fees.
Before credits & paid funds$298,674The complete starting cash picture.
Estimated remaining funds due at closing
$298,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,096.76
Your down payment$284,096.76
Closing costs + prepaids$14,577.61
Total buyer cash needed$298,674.37
Remaining funds due$298,674.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,479.90
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)$487.00
Initial HOA (3 months)$54.00
Prepaid interest, first (31 days)$1,081.71
Fees + prepaids$14,577.61
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $647,990 price is paid at closing. A second mortgage can cover part of it. $298,674.37 is due at closing. Uses and sources reconcile at $662,567.61 each. Not a Closing Disclosure.