Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$321,472Cash toward the purchase price.
Closing costs + prepaids$16,177Not just lender fees.
Before credits & paid funds$337,648The complete starting cash picture.
Estimated remaining funds due at closing
$337,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,471.53
Your down payment$321,471.53
Closing costs + prepaids$16,176.77
Total buyer cash needed$337,648.31
Remaining funds due$337,648.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,400.00
Initial HOA (3 months)$1,509.00
Prepaid interest, first (27 days)$1,192.77
Fees + prepaids$16,176.77
Your down payment is the seller’s equity. You take over the $238,528 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $337,648.31 is due at closing. Uses and sources reconcile at $576,176.77 each. Not a Closing Disclosure.