Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$259,396Cash toward the purchase price.
Closing costs + prepaids$13,889Not just lender fees.
Before credits & paid funds$273,284The complete starting cash picture.
Estimated remaining funds due at closing
$273,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,395.61
Your down payment$259,395.61
Closing costs + prepaids$13,888.88
Total buyer cash needed$273,284.49
Remaining funds due$273,284.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.88
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)$1,232.00
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$52.00
Fees + prepaids$13,888.88
Your down payment is the seller’s equity. You take over the $320,592 balance, so the rest of the $579,988 price is paid at closing. A second mortgage can cover part of it. $273,284.49 is due at closing. Uses and sources reconcile at $593,876.88 each. Not a Closing Disclosure.