Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$258,002Cash toward the purchase price.
Closing costs + prepaids$14,419Not just lender fees.
Before credits & paid funds$272,421The complete starting cash picture.
Estimated remaining funds due at closing
$272,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,001.76
Your down payment$258,001.76
Closing costs + prepaids$14,419.31
Total buyer cash needed$272,421.07
Remaining funds due$272,421.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,670.00
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)$1,417.50
Prepaid interest, first (29 days)$856.81
Fees + prepaids$14,419.31
Your down payment is the seller’s equity. You take over the $308,998 balance, so the rest of the $567,000 price is paid at closing. A second mortgage can cover part of it. $272,421.07 is due at closing. Uses and sources reconcile at $581,419.31 each. Not a Closing Disclosure.