Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$328,200Cash toward the purchase price.
Closing costs + prepaids$13,116Not just lender fees.
Before credits & paid funds$341,316The complete starting cash picture.
Estimated remaining funds due at closing
$341,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,199.86
Your down payment$328,199.86
Closing costs + prepaids$13,116.01
Total buyer cash needed$341,315.87
Remaining funds due$341,315.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.50
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)$619.25
Prepaid interest, first (1 days)$22.26
Fees + prepaids$13,116.01
Your down payment is the seller’s equity. You take over the $271,750 balance, so the rest of the $599,950 price is paid at closing. A second mortgage can cover part of it. $341,315.87 is due at closing. Uses and sources reconcile at $613,066.01 each. Not a Closing Disclosure.