Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$319,064Cash toward the purchase price.
Closing costs + prepaids$15,017Not just lender fees.
Before credits & paid funds$334,081The complete starting cash picture.
Estimated remaining funds due at closing
$334,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,064.14
Your down payment$319,064.14
Closing costs + prepaids$15,016.98
Total buyer cash needed$334,081.12
Remaining funds due$334,081.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,378.00
Initial HOA (3 months)$96.00
Prepaid interest, first (22 days)$967.98
Fees + prepaids$15,016.98
Your down payment is the seller’s equity. You take over the $290,936 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $334,081.12 is due at closing. Uses and sources reconcile at $625,016.98 each. Not a Closing Disclosure.