Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$269,654Cash toward the purchase price.
Closing costs + prepaids$13,831Not just lender fees.
Before credits & paid funds$283,485The complete starting cash picture.
Estimated remaining funds due at closing
$283,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,653.76
Your down payment$269,653.76
Closing costs + prepaids$13,830.79
Total buyer cash needed$283,484.55
Remaining funds due$283,484.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.50
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)$696.00
Initial HOA (3 months)$186.99
Prepaid interest, first (12 days)$673.30
Fees + prepaids$13,830.79
Your down payment is the seller’s equity. You take over the $310,296 balance, so the rest of the $579,950 price is paid at closing. A second mortgage can cover part of it. $283,484.55 is due at closing. Uses and sources reconcile at $593,780.79 each. Not a Closing Disclosure.