Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$311,100Cash toward the purchase price.
Closing costs + prepaids$15,121Not just lender fees.
Before credits & paid funds$326,221The complete starting cash picture.
Estimated remaining funds due at closing
$326,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,100.23
Your down payment$311,100.23
Closing costs + prepaids$15,120.56
Total buyer cash needed$326,220.80
Remaining funds due$326,220.80
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)$1,454.00
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$711.56
Fees + prepaids$15,120.56
Your down payment is the seller’s equity. You take over the $288,900 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $326,220.80 is due at closing. Uses and sources reconcile at $615,120.56 each. Not a Closing Disclosure.