Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$293,607Cash toward the purchase price.
Closing costs + prepaids$15,246Not just lender fees.
Before credits & paid funds$308,853The complete starting cash picture.
Estimated remaining funds due at closing
$308,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,607.07
Your down payment$293,607.07
Closing costs + prepaids$15,245.62
Total buyer cash needed$308,852.69
Remaining funds due$308,852.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,730.00
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)$1,432.50
Initial HOA (3 months)$993.00
Prepaid interest, first (28 days)$615.12
Fees + prepaids$15,245.62
Your down payment is the seller’s equity. You take over the $279,393 balance, so the rest of the $573,000 price is paid at closing. A second mortgage can cover part of it. $308,852.69 is due at closing. Uses and sources reconcile at $588,245.62 each. Not a Closing Disclosure.