Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$308,944Cash toward the purchase price.
Closing costs + prepaids$13,999Not just lender fees.
Before credits & paid funds$322,943The complete starting cash picture.
Estimated remaining funds due at closing
$322,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,943.80
Your down payment$308,943.80
Closing costs + prepaids$13,998.77
Total buyer cash needed$322,942.57
Remaining funds due$322,942.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$813.00
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$515.77
Fees + prepaids$13,998.77
Your down payment is the seller’s equity. You take over the $291,056 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $322,942.57 is due at closing. Uses and sources reconcile at $613,998.77 each. Not a Closing Disclosure.