Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$334,177Cash toward the purchase price.
Closing costs + prepaids$13,132Not just lender fees.
Before credits & paid funds$347,309The complete starting cash picture.
Estimated remaining funds due at closing
$347,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,177.03
Your down payment$334,177.03
Closing costs + prepaids$13,132.33
Total buyer cash needed$347,309.36
Remaining funds due$347,309.36
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)$690.00
Prepaid interest, first (9 days)$217.33
Fees + prepaids$13,132.33
Your down payment is the seller’s equity. You take over the $240,823 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $347,309.36 is due at closing. Uses and sources reconcile at $588,132.33 each. Not a Closing Disclosure.