Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$341,524Cash toward the purchase price.
Closing costs + prepaids$12,636Not just lender fees.
Before credits & paid funds$354,160The complete starting cash picture.
Estimated remaining funds due at closing
$354,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,524.08
Your down payment$341,524.08
Closing costs + prepaids$12,636.06
Total buyer cash needed$354,160.14
Remaining funds due$354,160.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,998.00
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)$127.75
Prepaid interest, first (1 days)$35.31
Fees + prepaids$12,636.06
Your down payment is the seller’s equity. You take over the $258,276 balance, so the rest of the $599,800 price is paid at closing. A second mortgage can cover part of it. $354,160.14 is due at closing. Uses and sources reconcile at $612,436.06 each. Not a Closing Disclosure.