Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$210,568Cash toward the purchase price.
Closing costs + prepaids$14,386Not just lender fees.
Before credits & paid funds$224,954The complete starting cash picture.
Estimated remaining funds due at closing
$224,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,568.03
Your down payment$210,568.03
Closing costs + prepaids$14,386.45
Total buyer cash needed$224,954.48
Remaining funds due$224,954.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,725.00
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)$1,431.25
Prepaid interest, first (28 days)$755.20
Fees + prepaids$14,386.45
Your down payment is the seller’s equity. You take over the $361,932 balance, so the rest of the $572,500 price is paid at closing. A second mortgage can cover part of it. $224,954.48 is due at closing. Uses and sources reconcile at $586,886.45 each. Not a Closing Disclosure.