Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$312,523Cash toward the purchase price.
Closing costs + prepaids$13,928Not just lender fees.
Before credits & paid funds$326,451The complete starting cash picture.
Estimated remaining funds due at closing
$326,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,522.84
Your down payment$312,522.84
Closing costs + prepaids$13,928.15
Total buyer cash needed$326,451.00
Remaining funds due$326,451.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$929.00
Prepaid interest, first (23 days)$525.15
Fees + prepaids$13,928.15
Your down payment is the seller’s equity. You take over the $287,377 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $326,451.00 is due at closing. Uses and sources reconcile at $613,828.15 each. Not a Closing Disclosure.