Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$251,957Cash toward the purchase price.
Closing costs + prepaids$14,625Not just lender fees.
Before credits & paid funds$266,582The complete starting cash picture.
Estimated remaining funds due at closing
$266,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,957.38
Your down payment$251,957.38
Closing costs + prepaids$14,624.67
Total buyer cash needed$266,582.05
Remaining funds due$266,582.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,424.75
Initial HOA (3 months)$33.24
Prepaid interest, first (28 days)$992.68
Fees + prepaids$14,624.67
Your down payment is the seller’s equity. You take over the $317,943 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $266,582.05 is due at closing. Uses and sources reconcile at $584,524.67 each. Not a Closing Disclosure.