Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$252,029Cash toward the purchase price.
Closing costs + prepaids$15,121Not just lender fees.
Before credits & paid funds$267,149The complete starting cash picture.
Estimated remaining funds due at closing
$267,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,028.69
Your down payment$252,028.69
Closing costs + prepaids$15,120.55
Total buyer cash needed$267,149.24
Remaining funds due$267,149.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$562.25
Initial HOA (3 months)$438.51
Prepaid interest, first (27 days)$1,644.80
Fees + prepaids$15,120.55
Your down payment is the seller’s equity. You take over the $347,970 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $267,149.24 is due at closing. Uses and sources reconcile at $615,119.55 each. Not a Closing Disclosure.