Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$342,970Cash toward the purchase price.
Closing costs + prepaids$14,455Not just lender fees.
Before credits & paid funds$357,426The complete starting cash picture.
Estimated remaining funds due at closing
$357,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,970.43
Your down payment$342,970.43
Closing costs + prepaids$14,455.45
Total buyer cash needed$357,425.87
Remaining funds due$357,425.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,684.00
Prepaid interest, first (28 days)$546.45
Fees + prepaids$14,455.45
Your down payment is the seller’s equity. You take over the $232,030 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $357,425.87 is due at closing. Uses and sources reconcile at $589,455.45 each. Not a Closing Disclosure.