Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$305,419Cash toward the purchase price.
Closing costs + prepaids$14,649Not just lender fees.
Before credits & paid funds$320,068The complete starting cash picture.
Estimated remaining funds due at closing
$320,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,418.56
Your down payment$305,418.56
Closing costs + prepaids$14,649.24
Total buyer cash needed$320,067.80
Remaining funds due$320,067.80
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)$2,433.50
Prepaid interest, first (2 days)$41.74
Fees + prepaids$14,649.24
Your down payment is the seller’s equity. You take over the $264,481 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $320,067.80 is due at closing. Uses and sources reconcile at $584,549.24 each. Not a Closing Disclosure.