Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$295,278Cash toward the purchase price.
Closing costs + prepaids$14,560Not just lender fees.
Before credits & paid funds$309,838The complete starting cash picture.
Estimated remaining funds due at closing
$309,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,278.08
Your down payment$295,278.08
Closing costs + prepaids$14,559.70
Total buyer cash needed$309,837.77
Remaining funds due$309,837.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,389.00
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)$598.00
Initial HOA (3 months)$125.01
Prepaid interest, first (28 days)$972.69
Fees + prepaids$14,559.70
Your down payment is the seller’s equity. You take over the $343,622 balance, so the rest of the $638,900 price is paid at closing. A second mortgage can cover part of it. $309,837.77 is due at closing. Uses and sources reconcile at $653,459.70 each. Not a Closing Disclosure.