Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$307,650Cash toward the purchase price.
Closing costs + prepaids$13,998Not just lender fees.
Before credits & paid funds$321,648The complete starting cash picture.
Estimated remaining funds due at closing
$321,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,649.84
Your down payment$307,649.84
Closing costs + prepaids$13,998.43
Total buyer cash needed$321,648.27
Remaining funds due$321,648.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,281.25
Prepaid interest, first (24 days)$543.18
Fees + prepaids$13,998.43
Your down payment is the seller’s equity. You take over the $262,250 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $321,648.27 is due at closing. Uses and sources reconcile at $583,898.43 each. Not a Closing Disclosure.