Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$217,509Cash toward the purchase price.
Closing costs + prepaids$15,298Not just lender fees.
Before credits & paid funds$232,807The complete starting cash picture.
Estimated remaining funds due at closing
$232,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,509.24
Your down payment$217,509.24
Closing costs + prepaids$15,298.14
Total buyer cash needed$232,807.38
Remaining funds due$232,807.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,425.00
Prepaid interest, first (28 days)$1,698.14
Fees + prepaids$15,298.14
Your down payment is the seller’s equity. You take over the $352,491 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $232,807.38 is due at closing. Uses and sources reconcile at $585,298.14 each. Not a Closing Disclosure.