Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$286,818Cash toward the purchase price.
Closing costs + prepaids$13,348Not just lender fees.
Before credits & paid funds$300,165The complete starting cash picture.
Estimated remaining funds due at closing
$300,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,817.55
Your down payment$286,817.55
Closing costs + prepaids$13,347.88
Total buyer cash needed$300,165.44
Remaining funds due$300,165.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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
Prepaid interest, first (6 days)$153.88
Fees + prepaids$13,347.88
Your down payment is the seller’s equity. You take over the $313,082 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $300,165.44 is due at closing. Uses and sources reconcile at $613,247.88 each. Not a Closing Disclosure.