Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$320,651Cash toward the purchase price.
Closing costs + prepaids$14,735Not just lender fees.
Before credits & paid funds$335,386The complete starting cash picture.
Estimated remaining funds due at closing
$335,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,650.52
Your down payment$320,650.52
Closing costs + prepaids$14,734.98
Total buyer cash needed$335,385.50
Remaining funds due$335,385.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$1,331.25
Initial HOA (3 months)$210.00
Prepaid interest, first (29 days)$668.73
Fees + prepaids$14,734.98
Your down payment is the seller’s equity. You take over the $284,349 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $335,385.50 is due at closing. Uses and sources reconcile at $619,734.98 each. Not a Closing Disclosure.