Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,106Cash toward the purchase price.
Closing costs + prepaids$13,535Not just lender fees.
Before credits & paid funds$324,641The complete starting cash picture.
Estimated remaining funds due at closing
$324,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,105.53
Your down payment$311,105.53
Closing costs + prepaids$13,535.34
Total buyer cash needed$324,640.87
Remaining funds due$324,640.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$558.00
Initial HOA (3 months)$111.00
Prepaid interest, first (27 days)$801.34
Fees + prepaids$13,535.34
Your down payment is the seller’s equity. You take over the $247,894 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $324,640.87 is due at closing. Uses and sources reconcile at $572,535.34 each. Not a Closing Disclosure.