Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$288,113Cash toward the purchase price.
Closing costs + prepaids$13,725Not just lender fees.
Before credits & paid funds$301,838The complete starting cash picture.
Estimated remaining funds due at closing
$301,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,113.17
Your down payment$288,113.17
Closing costs + prepaids$13,724.98
Total buyer cash needed$301,838.15
Remaining funds due$301,838.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$738.00
Initial HOA (3 months)$168.00
Prepaid interest, first (6 days)$193.98
Fees + prepaids$13,724.98
Your down payment is the seller’s equity. You take over the $326,887 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $301,838.15 is due at closing. Uses and sources reconcile at $628,724.98 each. Not a Closing Disclosure.