Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$304,610Cash toward the purchase price.
Closing costs + prepaids$14,217Not just lender fees.
Before credits & paid funds$318,827The complete starting cash picture.
Estimated remaining funds due at closing
$318,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,610.02
Your down payment$304,610.02
Closing costs + prepaids$14,217.01
Total buyer cash needed$318,827.03
Remaining funds due$318,827.03
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)$1,412.50
Prepaid interest, first (25 days)$679.51
Fees + prepaids$14,217.01
Your down payment is the seller’s equity. You take over the $260,390 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $318,827.03 is due at closing. Uses and sources reconcile at $579,217.01 each. Not a Closing Disclosure.