Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$243,726Cash toward the purchase price.
Closing costs + prepaids$14,129Not just lender fees.
Before credits & paid funds$257,855The complete starting cash picture.
Estimated remaining funds due at closing
$257,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,725.76
Your down payment$243,725.76
Closing costs + prepaids$14,129.45
Total buyer cash needed$257,855.21
Remaining funds due$257,855.21
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)$1,041.50
Initial HOA (3 months)$174.99
Prepaid interest, first (24 days)$787.96
Fees + prepaids$14,129.45
Your down payment is the seller’s equity. You take over the $321,274 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $257,855.21 is due at closing. Uses and sources reconcile at $579,129.45 each. Not a Closing Disclosure.