Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$354,199Cash toward the purchase price.
Closing costs + prepaids$13,360Not just lender fees.
Before credits & paid funds$367,559The complete starting cash picture.
Estimated remaining funds due at closing
$367,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,199.13
Your down payment$354,199.13
Closing costs + prepaids$13,360.15
Total buyer cash needed$367,559.28
Remaining funds due$367,559.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$382.75
Prepaid interest, first (23 days)$912.40
Fees + prepaids$13,360.15
Your down payment is the seller’s equity. You take over the $204,801 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $367,559.28 is due at closing. Uses and sources reconcile at $572,360.15 each. Not a Closing Disclosure.