Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$241,821Cash toward the purchase price.
Closing costs + prepaids$14,299Not just lender fees.
Before credits & paid funds$256,121The complete starting cash picture.
Estimated remaining funds due at closing
$256,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,821.30
Your down payment$241,821.30
Closing costs + prepaids$14,299.20
Total buyer cash needed$256,120.50
Remaining funds due$256,120.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,230.25
Initial HOA (3 months)$126.00
Prepaid interest, first (31 days)$817.95
Fees + prepaids$14,299.20
Your down payment is the seller’s equity. You take over the $323,179 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $256,120.50 is due at closing. Uses and sources reconcile at $579,299.20 each. Not a Closing Disclosure.