Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$337,312Cash toward the purchase price.
Closing costs + prepaids$14,189Not just lender fees.
Before credits & paid funds$351,501The complete starting cash picture.
Estimated remaining funds due at closing
$351,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,311.59
Your down payment$337,311.59
Closing costs + prepaids$14,189.35
Total buyer cash needed$351,500.94
Remaining funds due$351,500.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$768.75
Initial HOA (3 months)$330.00
Prepaid interest, first (17 days)$465.60
Fees + prepaids$14,189.35
Your down payment is the seller’s equity. You take over the $277,688 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $351,500.94 is due at closing. Uses and sources reconcile at $629,189.35 each. Not a Closing Disclosure.