Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$286,754Cash toward the purchase price.
Closing costs + prepaids$13,720Not just lender fees.
Before credits & paid funds$300,474The complete starting cash picture.
Estimated remaining funds due at closing
$300,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,753.98
Your down payment$286,753.98
Closing costs + prepaids$13,720.31
Total buyer cash needed$300,474.29
Remaining funds due$300,474.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.99
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)$983.25
Initial HOA (3 months)$132.00
Prepaid interest, first (27 days)$680.07
Fees + prepaids$13,720.31
Your down payment is the seller’s equity. You take over the $258,245 balance, so the rest of the $544,999 price is paid at closing. A second mortgage can cover part of it. $300,474.29 is due at closing. Uses and sources reconcile at $558,719.31 each. Not a Closing Disclosure.