Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$295,743Cash toward the purchase price.
Closing costs + prepaids$13,364Not just lender fees.
Before credits & paid funds$309,106The complete starting cash picture.
Estimated remaining funds due at closing
$309,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,742.72
Your down payment$295,742.72
Closing costs + prepaids$13,363.77
Total buyer cash needed$309,106.49
Remaining funds due$309,106.49
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
Initial HOA (3 months)$129.99
Prepaid interest, first (24 days)$608.78
Fees + prepaids$13,363.77
Your down payment is the seller’s equity. You take over the $319,257 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $309,106.49 is due at closing. Uses and sources reconcile at $628,363.77 each. Not a Closing Disclosure.