Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$225,667Cash toward the purchase price.
Closing costs + prepaids$13,802Not just lender fees.
Before credits & paid funds$239,469The complete starting cash picture.
Estimated remaining funds due at closing
$239,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,666.91
Your down payment$225,666.91
Closing costs + prepaids$13,802.25
Total buyer cash needed$239,469.16
Remaining funds due$239,469.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$892.75
Prepaid interest, first (24 days)$684.50
Fees + prepaids$13,802.25
Your down payment is the seller’s equity. You take over the $349,333 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $239,469.16 is due at closing. Uses and sources reconcile at $588,802.25 each. Not a Closing Disclosure.