Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$271,604Cash toward the purchase price.
Closing costs + prepaids$13,942Not just lender fees.
Before credits & paid funds$285,546The complete starting cash picture.
Estimated remaining funds due at closing
$285,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,604.12
Your down payment$271,604.12
Closing costs + prepaids$13,941.82
Total buyer cash needed$285,545.94
Remaining funds due$285,545.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$841.50
Initial HOA (3 months)$345.00
Prepaid interest, first (22 days)$530.32
Fees + prepaids$13,941.82
Your down payment is the seller’s equity. You take over the $303,396 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $285,545.94 is due at closing. Uses and sources reconcile at $588,941.82 each. Not a Closing Disclosure.