Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$268,224Cash toward the purchase price.
Closing costs + prepaids$14,445Not just lender fees.
Before credits & paid funds$282,669The complete starting cash picture.
Estimated remaining funds due at closing
$282,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,223.97
Your down payment$268,223.97
Closing costs + prepaids$14,444.56
Total buyer cash needed$282,668.53
Remaining funds due$282,668.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Prepaid interest, first (27 days)$719.56
Fees + prepaids$14,444.56
Your down payment is the seller’s equity. You take over the $311,776 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $282,668.53 is due at closing. Uses and sources reconcile at $594,444.56 each. Not a Closing Disclosure.