Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$282,374Cash toward the purchase price.
Closing costs + prepaids$13,504Not just lender fees.
Before credits & paid funds$295,878The complete starting cash picture.
Estimated remaining funds due at closing
$295,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,374.05
Your down payment$282,374.05
Closing costs + prepaids$13,504.43
Total buyer cash needed$295,878.48
Remaining funds due$295,878.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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
Initial HOA (3 months)$158.01
Prepaid interest, first (6 days)$151.42
Fees + prepaids$13,504.43
Your down payment is the seller’s equity. You take over the $317,626 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $295,878.48 is due at closing. Uses and sources reconcile at $613,504.43 each. Not a Closing Disclosure.