Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$311,829Cash toward the purchase price.
Closing costs + prepaids$13,449Not just lender fees.
Before credits & paid funds$325,278The complete starting cash picture.
Estimated remaining funds due at closing
$325,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,829.47
Your down payment$311,829.47
Closing costs + prepaids$13,448.78
Total buyer cash needed$325,278.24
Remaining funds due$325,278.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$929.00
Prepaid interest, first (2 days)$45.78
Fees + prepaids$13,448.78
Your down payment is the seller’s equity. You take over the $288,071 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $325,278.24 is due at closing. Uses and sources reconcile at $613,348.78 each. Not a Closing Disclosure.