Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$358,869Cash toward the purchase price.
Closing costs + prepaids$17,028Not just lender fees.
Before credits & paid funds$375,897The complete starting cash picture.
Estimated remaining funds due at closing
$375,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,869.23
Your down payment$358,869.23
Closing costs + prepaids$17,028.22
Total buyer cash needed$375,897.44
Remaining funds due$375,897.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,590.00
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)$1,647.50
Initial HOA (3 months)$1,551.00
Prepaid interest, first (31 days)$764.72
Fees + prepaids$17,028.22
Your down payment is the seller’s equity. You take over the $300,131 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $375,897.44 is due at closing. Uses and sources reconcile at $676,028.22 each. Not a Closing Disclosure.