Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$286,451Cash toward the purchase price.
Closing costs + prepaids$14,357Not just lender fees.
Before credits & paid funds$300,808The complete starting cash picture.
Estimated remaining funds due at closing
$300,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,451.04
Your down payment$286,451.04
Closing costs + prepaids$14,356.89
Total buyer cash needed$300,807.93
Remaining funds due$300,807.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,168.50
Initial HOA (3 months)$37.50
Prepaid interest, first (31 days)$725.89
Fees + prepaids$14,356.89
Your down payment is the seller’s equity. You take over the $308,549 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $300,807.93 is due at closing. Uses and sources reconcile at $609,356.89 each. Not a Closing Disclosure.