Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$245,104Cash toward the purchase price.
Closing costs + prepaids$13,741Not just lender fees.
Before credits & paid funds$258,845The complete starting cash picture.
Estimated remaining funds due at closing
$258,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,103.86
Your down payment$245,103.86
Closing costs + prepaids$13,741.08
Total buyer cash needed$258,844.93
Remaining funds due$258,844.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$761.50
Prepaid interest, first (25 days)$905.58
Fees + prepaids$13,741.08
Your down payment is the seller’s equity. You take over the $314,796 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $258,844.93 is due at closing. Uses and sources reconcile at $573,641.08 each. Not a Closing Disclosure.