Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$281,128Cash toward the purchase price.
Closing costs + prepaids$20,211Not just lender fees.
Before credits & paid funds$301,339The complete starting cash picture.
Estimated remaining funds due at closing
$301,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,127.65
Your down payment$281,127.65
Closing costs + prepaids$20,211.34
Total buyer cash needed$301,338.99
Remaining funds due$301,338.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,395.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,348.75
Initial HOA (3 months)$1,134.00
Prepaid interest, first (2 days)$108.59
Fees + prepaids$20,211.34
Your down payment is the seller’s equity. You take over the $658,372 balance, so the rest of the $939,500 price is paid at closing. A second mortgage can cover part of it. $301,338.99 is due at closing. Uses and sources reconcile at $959,711.34 each. Not a Closing Disclosure.