Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$238,463Cash toward the purchase price.
Closing costs + prepaids$14,763Not just lender fees.
Before credits & paid funds$253,225The complete starting cash picture.
Estimated remaining funds due at closing
$253,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,462.95
Your down payment$238,462.95
Closing costs + prepaids$14,762.50
Total buyer cash needed$253,225.45
Remaining funds due$253,225.45
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)$1,830.50
Prepaid interest, first (27 days)$707.00
Fees + prepaids$14,762.50
Your down payment is the seller’s equity. You take over the $336,537 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $253,225.45 is due at closing. Uses and sources reconcile at $589,762.50 each. Not a Closing Disclosure.