Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$242,750Cash toward the purchase price.
Closing costs + prepaids$15,036Not just lender fees.
Before credits & paid funds$257,787The complete starting cash picture.
Estimated remaining funds due at closing
$257,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,750.31
Your down payment$242,750.31
Closing costs + prepaids$15,036.30
Total buyer cash needed$257,786.61
Remaining funds due$257,786.61
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)$1,139.25
Prepaid interest, first (27 days)$1,723.05
Fees + prepaids$15,036.30
Your down payment is the seller’s equity. You take over the $327,150 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $257,786.61 is due at closing. Uses and sources reconcile at $584,936.30 each. Not a Closing Disclosure.