Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$281,999Cash toward the purchase price.
Closing costs + prepaids$13,869Not just lender fees.
Before credits & paid funds$295,869The complete starting cash picture.
Estimated remaining funds due at closing
$295,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,999.20
Your down payment$281,999.20
Closing costs + prepaids$13,869.40
Total buyer cash needed$295,868.59
Remaining funds due$295,868.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$643.25
Initial HOA (3 months)$158.01
Prepaid interest, first (23 days)$593.14
Fees + prepaids$13,869.40
Your down payment is the seller’s equity. You take over the $318,001 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $295,868.59 is due at closing. Uses and sources reconcile at $613,869.40 each. Not a Closing Disclosure.