Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$328,164Cash toward the purchase price.
Closing costs + prepaids$14,294Not just lender fees.
Before credits & paid funds$342,457The complete starting cash picture.
Estimated remaining funds due at closing
$342,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,163.60
Your down payment$328,163.60
Closing costs + prepaids$14,293.79
Total buyer cash needed$342,457.39
Remaining funds due$342,457.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$1,327.50
Initial HOA (3 months)$84.51
Prepaid interest, first (25 days)$616.78
Fees + prepaids$14,293.79
Your down payment is the seller’s equity. You take over the $250,836 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $342,457.39 is due at closing. Uses and sources reconcile at $593,293.79 each. Not a Closing Disclosure.