Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$329,499Cash toward the purchase price.
Closing costs + prepaids$14,123Not just lender fees.
Before credits & paid funds$343,622The complete starting cash picture.
Estimated remaining funds due at closing
$343,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,498.87
Your down payment$329,498.87
Closing costs + prepaids$14,122.97
Total buyer cash needed$343,621.84
Remaining funds due$343,621.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$741.25
Initial HOA (3 months)$57.00
Prepaid interest, first (31 days)$899.72
Fees + prepaids$14,122.97
Your down payment is the seller’s equity. You take over the $265,501 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $343,621.84 is due at closing. Uses and sources reconcile at $609,122.97 each. Not a Closing Disclosure.