Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$344,481Cash toward the purchase price.
Closing costs + prepaids$13,652Not just lender fees.
Before credits & paid funds$358,133The complete starting cash picture.
Estimated remaining funds due at closing
$358,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,480.93
Your down payment$344,480.93
Closing costs + prepaids$13,651.65
Total buyer cash needed$358,132.57
Remaining funds due$358,132.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$638.00
Prepaid interest, first (28 days)$548.65
Fees + prepaids$13,651.65
Your down payment is the seller’s equity. You take over the $254,519 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $358,132.57 is due at closing. Uses and sources reconcile at $612,651.65 each. Not a Closing Disclosure.