Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$308,016Cash toward the purchase price.
Closing costs + prepaids$18,035Not just lender fees.
Before credits & paid funds$326,051The complete starting cash picture.
Estimated remaining funds due at closing
$326,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,015.86
Your down payment$308,015.86
Closing costs + prepaids$18,035.26
Total buyer cash needed$326,051.12
Remaining funds due$326,051.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,075.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,089.00
Initial HOA (3 months)$54.99
Prepaid interest, first (6 days)$591.27
Fees + prepaids$18,035.26
Your down payment is the seller’s equity. You take over the $599,484 balance, so the rest of the $907,500 price is paid at closing. A second mortgage can cover part of it. $326,051.12 is due at closing. Uses and sources reconcile at $925,535.26 each. Not a Closing Disclosure.