Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$257,382Cash toward the purchase price.
Closing costs + prepaids$16,094Not just lender fees.
Before credits & paid funds$273,476The complete starting cash picture.
Estimated remaining funds due at closing
$273,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,382.09
Your down payment$257,382.09
Closing costs + prepaids$16,094.20
Total buyer cash needed$273,476.29
Remaining funds due$273,476.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$1,500.00
Initial HOA (3 months)$1,380.00
Prepaid interest, first (25 days)$739.21
Fees + prepaids$16,094.20
Your down payment is the seller’s equity. You take over the $342,617 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $273,476.29 is due at closing. Uses and sources reconcile at $616,093.20 each. Not a Closing Disclosure.