Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$348,093Cash toward the purchase price.
Closing costs + prepaids$13,844Not just lender fees.
Before credits & paid funds$361,937The complete starting cash picture.
Estimated remaining funds due at closing
$361,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,092.72
Your down payment$348,092.72
Closing costs + prepaids$13,843.90
Total buyer cash needed$361,936.62
Remaining funds due$361,936.62
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)$1,122.75
Prepaid interest, first (23 days)$496.15
Fees + prepaids$13,843.90
Your down payment is the seller’s equity. You take over the $226,907 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $361,936.62 is due at closing. Uses and sources reconcile at $588,843.90 each. Not a Closing Disclosure.