Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$274,548Cash toward the purchase price.
Closing costs + prepaids$15,900Not just lender fees.
Before credits & paid funds$290,448The complete starting cash picture.
Estimated remaining funds due at closing
$290,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,548.27
Your down payment$274,548.27
Closing costs + prepaids$15,899.74
Total buyer cash needed$290,448.01
Remaining funds due$290,448.01
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)$1,497.50
Initial HOA (3 months)$1,035.00
Prepaid interest, first (25 days)$902.24
Fees + prepaids$15,899.74
Your down payment is the seller’s equity. You take over the $324,452 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $290,448.01 is due at closing. Uses and sources reconcile at $614,899.74 each. Not a Closing Disclosure.