Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$314,340Cash toward the purchase price.
Closing costs + prepaids$13,356Not just lender fees.
Before credits & paid funds$327,697The complete starting cash picture.
Estimated remaining funds due at closing
$327,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,340.28
Your down payment$314,340.28
Closing costs + prepaids$13,356.24
Total buyer cash needed$327,696.52
Remaining funds due$327,696.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$563.00
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$553.24
Fees + prepaids$13,356.24
Your down payment is the seller’s equity. You take over the $245,660 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $327,696.52 is due at closing. Uses and sources reconcile at $573,356.24 each. Not a Closing Disclosure.