Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$287,471Cash toward the purchase price.
Closing costs + prepaids$13,572Not just lender fees.
Before credits & paid funds$301,042The complete starting cash picture.
Estimated remaining funds due at closing
$301,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,470.60
Your down payment$287,470.60
Closing costs + prepaids$13,571.67
Total buyer cash needed$301,042.28
Remaining funds due$301,042.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$324.25
Initial HOA (3 months)$240.00
Prepaid interest, first (28 days)$932.42
Fees + prepaids$13,571.67
Your down payment is the seller’s equity. You take over the $272,529 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $301,042.28 is due at closing. Uses and sources reconcile at $573,571.67 each. Not a Closing Disclosure.