Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$256,074Cash toward the purchase price.
Closing costs + prepaids$13,947Not just lender fees.
Before credits & paid funds$270,021The complete starting cash picture.
Estimated remaining funds due at closing
$270,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,073.88
Your down payment$256,073.88
Closing costs + prepaids$13,947.21
Total buyer cash needed$270,021.09
Remaining funds due$270,021.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$953.50
Initial HOA (3 months)$135.00
Prepaid interest, first (26 days)$783.71
Fees + prepaids$13,947.21
Your down payment is the seller’s equity. You take over the $303,926 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $270,021.09 is due at closing. Uses and sources reconcile at $573,947.21 each. Not a Closing Disclosure.