Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$301,148Cash toward the purchase price.
Closing costs + prepaids$14,367Not just lender fees.
Before credits & paid funds$315,514The complete starting cash picture.
Estimated remaining funds due at closing
$315,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,147.91
Your down payment$301,147.91
Closing costs + prepaids$14,366.59
Total buyer cash needed$315,514.50
Remaining funds due$315,514.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Prepaid interest, first (26 days)$641.59
Fees + prepaids$14,366.59
Your down payment is the seller’s equity. You take over the $278,852 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $315,514.50 is due at closing. Uses and sources reconcile at $594,366.59 each. Not a Closing Disclosure.