Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$307,400Cash toward the purchase price.
Closing costs + prepaids$17,106Not just lender fees.
Before credits & paid funds$324,507The complete starting cash picture.
Estimated remaining funds due at closing
$324,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,400.28
Your down payment$307,400.28
Closing costs + prepaids$17,106.28
Total buyer cash needed$324,506.56
Remaining funds due$324,506.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,075.00
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)$554.00
Initial HOA (3 months)$54.99
Prepaid interest, first (2 days)$197.29
Fees + prepaids$17,106.28
Your down payment is the seller’s equity. You take over the $600,100 balance, so the rest of the $907,500 price is paid at closing. A second mortgage can cover part of it. $324,506.56 is due at closing. Uses and sources reconcile at $924,606.28 each. Not a Closing Disclosure.