Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$304,278Cash toward the purchase price.
Closing costs + prepaids$15,672Not just lender fees.
Before credits & paid funds$319,949The complete starting cash picture.
Estimated remaining funds due at closing
$319,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,277.94
Your down payment$304,277.94
Closing costs + prepaids$15,671.52
Total buyer cash needed$319,949.45
Remaining funds due$319,949.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,599.00
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)$1,329.50
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$1,118.02
Fees + prepaids$15,671.52
Your down payment is the seller’s equity. You take over the $355,622 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $319,949.45 is due at closing. Uses and sources reconcile at $675,571.52 each. Not a Closing Disclosure.