Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$313,301Cash toward the purchase price.
Closing costs + prepaids$13,733Not just lender fees.
Before credits & paid funds$327,033The complete starting cash picture.
Estimated remaining funds due at closing
$327,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,300.63
Your down payment$313,300.63
Closing costs + prepaids$13,732.81
Total buyer cash needed$327,033.44
Remaining funds due$327,033.44
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)$750.00
Prepaid interest, first (18 days)$508.81
Fees + prepaids$13,732.81
Your down payment is the seller’s equity. You take over the $286,599 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $327,033.44 is due at closing. Uses and sources reconcile at $613,632.81 each. Not a Closing Disclosure.