Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$312,349Cash toward the purchase price.
Closing costs + prepaids$14,069Not just lender fees.
Before credits & paid funds$326,417The complete starting cash picture.
Estimated remaining funds due at closing
$326,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,348.92
Your down payment$312,348.92
Closing costs + prepaids$14,068.54
Total buyer cash needed$326,417.46
Remaining funds due$326,417.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$935.50
Prepaid interest, first (26 days)$868.04
Fees + prepaids$14,068.54
Your down payment is the seller’s equity. You take over the $266,651 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $326,417.46 is due at closing. Uses and sources reconcile at $593,068.54 each. Not a Closing Disclosure.