Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$241,487Cash toward the purchase price.
Closing costs + prepaids$14,458Not just lender fees.
Before credits & paid funds$255,945The complete starting cash picture.
Estimated remaining funds due at closing
$255,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,486.56
Your down payment$241,486.56
Closing costs + prepaids$14,458.43
Total buyer cash needed$255,944.98
Remaining funds due$255,944.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,096.00
Initial HOA (3 months)$195.00
Prepaid interest, first (27 days)$942.43
Fees + prepaids$14,458.43
Your down payment is the seller’s equity. You take over the $333,513 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $255,944.98 is due at closing. Uses and sources reconcile at $589,458.43 each. Not a Closing Disclosure.