Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$305,952Cash toward the purchase price.
Closing costs + prepaids$15,458Not just lender fees.
Before credits & paid funds$321,409The complete starting cash picture.
Estimated remaining funds due at closing
$321,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,951.76
Your down payment$305,951.76
Closing costs + prepaids$15,457.62
Total buyer cash needed$321,409.38
Remaining funds due$321,409.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,335.00
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)$1,187.25
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$1,010.37
Fees + prepaids$15,457.62
Your down payment is the seller’s equity. You take over the $327,548 balance, so the rest of the $633,500 price is paid at closing. A second mortgage can cover part of it. $321,409.38 is due at closing. Uses and sources reconcile at $648,957.62 each. Not a Closing Disclosure.