Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$289,478Cash toward the purchase price.
Closing costs + prepaids$16,256Not just lender fees.
Before credits & paid funds$305,734The complete starting cash picture.
Estimated remaining funds due at closing
$305,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,477.69
Your down payment$289,477.69
Closing costs + prepaids$16,256.19
Total buyer cash needed$305,733.88
Remaining funds due$305,733.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$3,031.50
Initial HOA (3 months)$171.00
Prepaid interest, first (26 days)$588.69
Fees + prepaids$16,256.19
Your down payment is the seller’s equity. You take over the $309,522 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $305,733.88 is due at closing. Uses and sources reconcile at $615,256.19 each. Not a Closing Disclosure.