Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$344,249Cash toward the purchase price.
Closing costs + prepaids$12,515Not just lender fees.
Before credits & paid funds$356,764The complete starting cash picture.
Estimated remaining funds due at closing
$356,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,249.15
Your down payment$344,249.15
Closing costs + prepaids$12,514.70
Total buyer cash needed$356,763.85
Remaining funds due$356,763.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (23 days)$390.70
Fees + prepaids$12,514.70
Your down payment is the seller’s equity. You take over the $220,651 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $356,763.85 is due at closing. Uses and sources reconcile at $577,414.70 each. Not a Closing Disclosure.