Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$329,793Cash toward the purchase price.
Closing costs + prepaids$13,709Not just lender fees.
Before credits & paid funds$343,501The complete starting cash picture.
Estimated remaining funds due at closing
$343,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,792.75
Your down payment$329,792.75
Closing costs + prepaids$13,708.63
Total buyer cash needed$343,501.38
Remaining funds due$343,501.38
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)$1,125.25
Prepaid interest, first (24 days)$418.38
Fees + prepaids$13,708.63
Your down payment is the seller’s equity. You take over the $239,207 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $343,501.38 is due at closing. Uses and sources reconcile at $582,708.63 each. Not a Closing Disclosure.