Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$314,488Cash toward the purchase price.
Closing costs + prepaids$14,883Not just lender fees.
Before credits & paid funds$329,370The complete starting cash picture.
Estimated remaining funds due at closing
$329,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,487.61
Your down payment$314,487.61
Closing costs + prepaids$14,882.58
Total buyer cash needed$329,370.19
Remaining funds due$329,370.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (27 days)$782.58
Fees + prepaids$14,882.58
Your down payment is the seller’s equity. You take over the $295,512 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $329,370.19 is due at closing. Uses and sources reconcile at $624,882.58 each. Not a Closing Disclosure.