Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$288,113Cash toward the purchase price.
Closing costs + prepaids$15,080Not just lender fees.
Before credits & paid funds$303,193The complete starting cash picture.
Estimated remaining funds due at closing
$303,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,113.17
Your down payment$288,113.17
Closing costs + prepaids$15,079.51
Total buyer cash needed$303,192.68
Remaining funds due$303,192.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$1,478.25
Initial HOA (3 months)$168.00
Prepaid interest, first (25 days)$808.26
Fees + prepaids$15,079.51
Your down payment is the seller’s equity. You take over the $326,887 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $303,192.68 is due at closing. Uses and sources reconcile at $630,079.51 each. Not a Closing Disclosure.