Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$312,697Cash toward the purchase price.
Closing costs + prepaids$21,358Not just lender fees.
Before credits & paid funds$334,054The complete starting cash picture.
Estimated remaining funds due at closing
$334,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,696.77
Your down payment$312,696.77
Closing costs + prepaids$21,357.67
Total buyer cash needed$334,054.44
Remaining funds due$334,054.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,750.00
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)$2,437.50
Initial HOA (3 months)$675.00
Prepaid interest, first (28 days)$1,270.17
Fees + prepaids$21,357.67
Your down payment is the seller’s equity. You take over the $662,303 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $334,054.44 is due at closing. Uses and sources reconcile at $996,357.67 each. Not a Closing Disclosure.