Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$300,890Cash toward the purchase price.
Closing costs + prepaids$15,296Not just lender fees.
Before credits & paid funds$316,185The complete starting cash picture.
Estimated remaining funds due at closing
$316,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,889.53
Your down payment$300,889.53
Closing costs + prepaids$15,295.92
Total buyer cash needed$316,185.45
Remaining funds due$316,185.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,790.00
Initial HOA (3 months)$486.00
Prepaid interest, first (29 days)$794.92
Fees + prepaids$15,295.92
Your down payment is the seller’s equity. You take over the $274,110 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $316,185.45 is due at closing. Uses and sources reconcile at $590,295.92 each. Not a Closing Disclosure.