Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$329,688Cash toward the purchase price.
Closing costs + prepaids$14,218Not just lender fees.
Before credits & paid funds$343,906The complete starting cash picture.
Estimated remaining funds due at closing
$343,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,688.16
Your down payment$329,688.16
Closing costs + prepaids$14,217.82
Total buyer cash needed$343,905.97
Remaining funds due$343,905.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$537.00
Initial HOA (3 months)$162.00
Prepaid interest, first (27 days)$644.82
Fees + prepaids$14,217.82
Your down payment is the seller’s equity. You take over the $310,212 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $343,905.97 is due at closing. Uses and sources reconcile at $654,117.82 each. Not a Closing Disclosure.