Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$233,214Cash toward the purchase price.
Closing costs + prepaids$13,879Not just lender fees.
Before credits & paid funds$247,093The complete starting cash picture.
Estimated remaining funds due at closing
$247,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,213.79
Your down payment$233,213.79
Closing costs + prepaids$13,878.96
Total buyer cash needed$247,092.74
Remaining funds due$247,092.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,579.50
Prepaid interest, first (1 days)$25.46
Fees + prepaids$13,878.96
Your down payment is the seller’s equity. You take over the $346,686 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $247,092.74 is due at closing. Uses and sources reconcile at $593,778.96 each. Not a Closing Disclosure.