Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$304,197Cash toward the purchase price.
Closing costs + prepaids$20,712Not just lender fees.
Before credits & paid funds$324,909The complete starting cash picture.
Estimated remaining funds due at closing
$324,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,196.95
Your down payment$304,196.95
Closing costs + prepaids$20,712.39
Total buyer cash needed$324,909.34
Remaining funds due$324,909.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,190.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,297.50
Initial HOA (3 months)$585.00
Prepaid interest, first (30 days)$1,414.89
Fees + prepaids$20,712.39
Your down payment is the seller’s equity. You take over the $614,803 balance, so the rest of the $919,000 price is paid at closing. A second mortgage can cover part of it. $324,909.34 is due at closing. Uses and sources reconcile at $939,712.39 each. Not a Closing Disclosure.