Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$261,453Cash toward the purchase price.
Closing costs + prepaids$14,196Not just lender fees.
Before credits & paid funds$275,649The complete starting cash picture.
Estimated remaining funds due at closing
$275,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,452.65
Your down payment$261,452.65
Closing costs + prepaids$14,196.18
Total buyer cash needed$275,648.83
Remaining funds due$275,648.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Prepaid interest, first (24 days)$733.68
Fees + prepaids$14,196.18
Your down payment is the seller’s equity. You take over the $297,547 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $275,648.83 is due at closing. Uses and sources reconcile at $573,196.18 each. Not a Closing Disclosure.