Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$281,999Cash toward the purchase price.
Closing costs + prepaids$13,662Not just lender fees.
Before credits & paid funds$295,662The complete starting cash picture.
Estimated remaining funds due at closing
$295,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,999.20
Your down payment$281,999.20
Closing costs + prepaids$13,662.47
Total buyer cash needed$295,661.67
Remaining funds due$295,661.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$720.00
Initial HOA (3 months)$158.01
Prepaid interest, first (12 days)$309.46
Fees + prepaids$13,662.47
Your down payment is the seller’s equity. You take over the $318,001 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $295,661.67 is due at closing. Uses and sources reconcile at $613,662.47 each. Not a Closing Disclosure.