Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$290,808Cash toward the purchase price.
Closing costs + prepaids$14,797Not just lender fees.
Before credits & paid funds$305,604The complete starting cash picture.
Estimated remaining funds due at closing
$305,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,807.69
Your down payment$290,807.69
Closing costs + prepaids$14,796.80
Total buyer cash needed$305,604.49
Remaining funds due$305,604.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,689.90
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)$20.00
Initial HOA (3 months)$147.00
Prepaid interest, first (24 days)$1,464.90
Fees + prepaids$14,796.80
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $668,990 price is paid at closing. A second mortgage can cover part of it. $305,604.49 is due at closing. Uses and sources reconcile at $683,786.80 each. Not a Closing Disclosure.