Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$354,191Cash toward the purchase price.
Closing costs + prepaids$14,536Not just lender fees.
Before credits & paid funds$368,727The complete starting cash picture.
Estimated remaining funds due at closing
$368,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,191.44
Your down payment$354,191.44
Closing costs + prepaids$14,535.60
Total buyer cash needed$368,727.03
Remaining funds due$368,727.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$2,022.75
Prepaid interest, first (2 days)$37.85
Fees + prepaids$14,535.60
Your down payment is the seller’s equity. You take over the $245,809 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $368,727.03 is due at closing. Uses and sources reconcile at $614,535.60 each. Not a Closing Disclosure.