Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$333,297Cash toward the purchase price.
Closing costs + prepaids$13,338Not just lender fees.
Before credits & paid funds$346,635The complete starting cash picture.
Estimated remaining funds due at closing
$346,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,297.40
Your down payment$333,297.40
Closing costs + prepaids$13,337.85
Total buyer cash needed$346,635.25
Remaining funds due$346,635.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,143.75
Prepaid interest, first (1 days)$20.10
Fees + prepaids$13,337.85
Your down payment is the seller’s equity. You take over the $236,603 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $346,635.25 is due at closing. Uses and sources reconcile at $583,237.85 each. Not a Closing Disclosure.