Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$321,314Cash toward the purchase price.
Closing costs + prepaids$14,267Not just lender fees.
Before credits & paid funds$335,582The complete starting cash picture.
Estimated remaining funds due at closing
$335,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,314.02
Your down payment$321,314.02
Closing costs + prepaids$14,267.49
Total buyer cash needed$335,581.51
Remaining funds due$335,581.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$387.50
Initial HOA (3 months)$131.25
Prepaid interest, first (26 days)$1,323.74
Fees + prepaids$14,267.49
Your down payment is the seller’s equity. You take over the $273,686 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $335,581.51 is due at closing. Uses and sources reconcile at $609,267.49 each. Not a Closing Disclosure.