Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$349,201Cash toward the purchase price.
Closing costs + prepaids$13,986Not just lender fees.
Before credits & paid funds$363,187The complete starting cash picture.
Estimated remaining funds due at closing
$363,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,201.24
Your down payment$349,201.24
Closing costs + prepaids$13,985.54
Total buyer cash needed$363,186.78
Remaining funds due$363,186.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$843.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$627.29
Fees + prepaids$13,985.54
Your down payment is the seller’s equity. You take over the $239,799 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $363,186.78 is due at closing. Uses and sources reconcile at $602,985.54 each. Not a Closing Disclosure.