Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$303,876Cash toward the purchase price.
Closing costs + prepaids$14,363Not just lender fees.
Before credits & paid funds$318,239The complete starting cash picture.
Estimated remaining funds due at closing
$318,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,875.85
Your down payment$303,875.85
Closing costs + prepaids$14,362.77
Total buyer cash needed$318,238.62
Remaining funds due$318,238.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$1,017.25
Prepaid interest, first (25 days)$1,020.52
Fees + prepaids$14,362.77
Your down payment is the seller’s equity. You take over the $281,124 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $318,238.62 is due at closing. Uses and sources reconcile at $599,362.77 each. Not a Closing Disclosure.