Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$324,042Cash toward the purchase price.
Closing costs + prepaids$13,680Not just lender fees.
Before credits & paid funds$337,721The complete starting cash picture.
Estimated remaining funds due at closing
$337,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,041.50
Your down payment$324,041.50
Closing costs + prepaids$13,679.60
Total buyer cash needed$337,721.10
Remaining funds due$337,721.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$756.25
Prepaid interest, first (15 days)$398.35
Fees + prepaids$13,679.60
Your down payment is the seller’s equity. You take over the $280,958 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $337,721.10 is due at closing. Uses and sources reconcile at $618,679.60 each. Not a Closing Disclosure.