Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$293,739Cash toward the purchase price.
Closing costs + prepaids$32,780Not just lender fees.
Before credits & paid funds$326,519The complete starting cash picture.
Estimated remaining funds due at closing
$326,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,738.58
Your down payment$293,738.58
Closing costs + prepaids$32,780.01
Total buyer cash needed$326,518.59
Remaining funds due$326,518.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,249.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,128.25
Initial HOA (3 months)$471.99
Prepaid interest, first (27 days)$6,705.77
Fees + prepaids$32,780.01
Your down payment is the seller’s equity. You take over the $1,331,161 balance, so the rest of the $1,624,900 price is paid at closing. A second mortgage can cover part of it. $326,518.59 is due at closing. Uses and sources reconcile at $1,657,680.01 each. Not a Closing Disclosure.