Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$237,742Cash toward the purchase price.
Closing costs + prepaids$13,898Not just lender fees.
Before credits & paid funds$251,640The complete starting cash picture.
Estimated remaining funds due at closing
$251,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,742.23
Your down payment$237,742.23
Closing costs + prepaids$13,898.01
Total buyer cash needed$251,640.24
Remaining funds due$251,640.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$694.75
Initial HOA (3 months)$460.50
Prepaid interest, first (10 days)$477.76
Fees + prepaids$13,898.01
Your down payment is the seller’s equity. You take over the $341,258 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $251,640.24 is due at closing. Uses and sources reconcile at $592,898.01 each. Not a Closing Disclosure.