Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$253,991Cash toward the purchase price.
Closing costs + prepaids$16,018Not just lender fees.
Before credits & paid funds$270,010The complete starting cash picture.
Estimated remaining funds due at closing
$270,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,991.20
Your down payment$253,991.20
Closing costs + prepaids$16,018.47
Total buyer cash needed$270,009.67
Remaining funds due$270,009.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,949.99
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)$1,487.50
Initial HOA (3 months)$1,125.00
Prepaid interest, first (28 days)$980.98
Fees + prepaids$16,018.47
Your down payment is the seller’s equity. You take over the $341,008 balance, so the rest of the $594,999 price is paid at closing. A second mortgage can cover part of it. $270,009.67 is due at closing. Uses and sources reconcile at $611,017.47 each. Not a Closing Disclosure.