Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$324,071Cash toward the purchase price.
Closing costs + prepaids$14,292Not just lender fees.
Before credits & paid funds$338,363The complete starting cash picture.
Estimated remaining funds due at closing
$338,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,071.02
Your down payment$324,071.02
Closing costs + prepaids$14,291.81
Total buyer cash needed$338,362.83
Remaining funds due$338,362.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,422.50
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$569.31
Fees + prepaids$14,291.81
Your down payment is the seller’s equity. You take over the $244,929 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $338,362.83 is due at closing. Uses and sources reconcile at $583,291.81 each. Not a Closing Disclosure.