Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$293,337Cash toward the purchase price.
Closing costs + prepaids$15,426Not just lender fees.
Before credits & paid funds$308,763The complete starting cash picture.
Estimated remaining funds due at closing
$308,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,337.15
Your down payment$293,337.15
Closing costs + prepaids$15,425.76
Total buyer cash needed$308,762.92
Remaining funds due$308,762.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$1,671.25
Initial HOA (3 months)$495.00
Prepaid interest, first (25 days)$634.51
Fees + prepaids$15,425.76
Your down payment is the seller’s equity. You take over the $321,663 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $308,762.92 is due at closing. Uses and sources reconcile at $630,425.76 each. Not a Closing Disclosure.