Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$348,847Cash toward the purchase price.
Closing costs + prepaids$13,734Not just lender fees.
Before credits & paid funds$362,581The complete starting cash picture.
Estimated remaining funds due at closing
$362,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,846.77
Your down payment$348,846.77
Closing costs + prepaids$13,734.14
Total buyer cash needed$362,580.91
Remaining funds due$362,580.91
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)$658.00
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$812.14
Fees + prepaids$13,734.14
Your down payment is the seller’s equity. You take over the $221,053 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $362,580.91 is due at closing. Uses and sources reconcile at $583,634.14 each. Not a Closing Disclosure.