Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$349,556Cash toward the purchase price.
Closing costs + prepaids$15,037Not just lender fees.
Before credits & paid funds$364,593The complete starting cash picture.
Estimated remaining funds due at closing
$364,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,556.24
Your down payment$349,556.24
Closing costs + prepaids$15,037.08
Total buyer cash needed$364,593.32
Remaining funds due$364,593.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,652.75
Initial HOA (3 months)$149.01
Prepaid interest, first (25 days)$761.32
Fees + prepaids$15,037.08
Your down payment is the seller’s equity. You take over the $250,344 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $364,593.32 is due at closing. Uses and sources reconcile at $614,937.08 each. Not a Closing Disclosure.