Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$312,097Cash toward the purchase price.
Closing costs + prepaids$13,949Not just lender fees.
Before credits & paid funds$326,046The complete starting cash picture.
Estimated remaining funds due at closing
$326,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,097.09
Your down payment$312,097.09
Closing costs + prepaids$13,948.73
Total buyer cash needed$326,045.82
Remaining funds due$326,045.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,400.00
Prepaid interest, first (25 days)$473.73
Fees + prepaids$13,948.73
Your down payment is the seller’s equity. You take over the $247,903 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $326,045.82 is due at closing. Uses and sources reconcile at $573,948.73 each. Not a Closing Disclosure.