Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$296,309Cash toward the purchase price.
Closing costs + prepaids$16,322Not just lender fees.
Before credits & paid funds$312,632The complete starting cash picture.
Estimated remaining funds due at closing
$312,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,309.26
Your down payment$296,309.26
Closing costs + prepaids$16,322.30
Total buyer cash needed$312,631.56
Remaining funds due$312,631.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,799.00
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)$1,699.75
Initial HOA (3 months)$483.00
Prepaid interest, first (29 days)$865.55
Fees + prepaids$16,322.30
Your down payment is the seller’s equity. You take over the $383,591 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $312,631.56 is due at closing. Uses and sources reconcile at $696,222.30 each. Not a Closing Disclosure.