Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$301,828Cash toward the purchase price.
Closing costs + prepaids$15,205Not just lender fees.
Before credits & paid funds$317,033The complete starting cash picture.
Estimated remaining funds due at closing
$317,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,827.86
Your down payment$301,827.86
Closing costs + prepaids$15,205.44
Total buyer cash needed$317,033.30
Remaining funds due$317,033.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$2,056.00
Initial HOA (3 months)$248.01
Prepaid interest, first (29 days)$636.43
Fees + prepaids$15,205.44
Your down payment is the seller’s equity. You take over the $277,172 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $317,033.30 is due at closing. Uses and sources reconcile at $594,205.44 each. Not a Closing Disclosure.