Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$259,809Cash toward the purchase price.
Closing costs + prepaids$16,318Not just lender fees.
Before credits & paid funds$276,127The complete starting cash picture.
Estimated remaining funds due at closing
$276,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,808.53
Your down payment$259,808.53
Closing costs + prepaids$16,318.31
Total buyer cash needed$276,126.84
Remaining funds due$276,126.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$1,447.50
Initial HOA (3 months)$1,845.00
Prepaid interest, first (29 days)$760.81
Fees + prepaids$16,318.31
Your down payment is the seller’s equity. You take over the $319,191 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $276,126.84 is due at closing. Uses and sources reconcile at $595,318.31 each. Not a Closing Disclosure.