Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$254,209Cash toward the purchase price.
Closing costs + prepaids$14,795Not just lender fees.
Before credits & paid funds$269,004The complete starting cash picture.
Estimated remaining funds due at closing
$269,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,209.04
Your down payment$254,209.04
Closing costs + prepaids$14,795.27
Total buyer cash needed$269,004.30
Remaining funds due$269,004.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$1,929.50
Initial HOA (3 months)$291.00
Prepaid interest, first (2 days)$109.77
Fees + prepaids$14,795.27
Your down payment is the seller’s equity. You take over the $344,791 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $269,004.30 is due at closing. Uses and sources reconcile at $613,795.27 each. Not a Closing Disclosure.