Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$206,827Cash toward the purchase price.
Closing costs + prepaids$14,458Not just lender fees.
Before credits & paid funds$221,285The complete starting cash picture.
Estimated remaining funds due at closing
$221,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,827.16
Your down payment$206,827.16
Closing costs + prepaids$14,458.20
Total buyer cash needed$221,285.37
Remaining funds due$221,285.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,422.50
Prepaid interest, first (27 days)$870.70
Fees + prepaids$14,458.20
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $221,285.37 is due at closing. Uses and sources reconcile at $583,458.20 each. Not a Closing Disclosure.