Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$275,494Cash toward the purchase price.
Closing costs + prepaids$14,178Not just lender fees.
Before credits & paid funds$289,672The complete starting cash picture.
Estimated remaining funds due at closing
$289,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,494.30
Your down payment$275,494.30
Closing costs + prepaids$14,177.82
Total buyer cash needed$289,672.13
Remaining funds due$289,672.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,412.50
Prepaid interest, first (27 days)$640.32
Fees + prepaids$14,177.82
Your down payment is the seller’s equity. You take over the $289,506 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $289,672.13 is due at closing. Uses and sources reconcile at $579,177.82 each. Not a Closing Disclosure.