Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$301,796Cash toward the purchase price.
Closing costs + prepaids$20,284Not just lender fees.
Before credits & paid funds$322,079The complete starting cash picture.
Estimated remaining funds due at closing
$322,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,795.82
Your down payment$301,795.82
Closing costs + prepaids$20,283.55
Total buyer cash needed$322,079.38
Remaining funds due$322,079.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,595.00
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)$1,199.50
Initial HOA (3 months)$345.00
Prepaid interest, first (15 days)$1,919.05
Fees + prepaids$20,283.55
Your down payment is the seller’s equity. You take over the $657,704 balance, so the rest of the $959,500 price is paid at closing. A second mortgage can cover part of it. $322,079.38 is due at closing. Uses and sources reconcile at $979,783.55 each. Not a Closing Disclosure.