Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$225,477Cash toward the purchase price.
Closing costs + prepaids$14,985Not just lender fees.
Before credits & paid funds$240,461The complete starting cash picture.
Estimated remaining funds due at closing
$240,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,476.62
Your down payment$225,476.62
Closing costs + prepaids$14,984.66
Total buyer cash needed$240,461.28
Remaining funds due$240,461.28
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)$1,447.50
Initial HOA (3 months)$393.00
Prepaid interest, first (29 days)$879.16
Fees + prepaids$14,984.66
Your down payment is the seller’s equity. You take over the $353,523 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $240,461.28 is due at closing. Uses and sources reconcile at $593,984.66 each. Not a Closing Disclosure.