Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$236,218Cash toward the purchase price.
Closing costs + prepaids$14,097Not just lender fees.
Before credits & paid funds$250,315The complete starting cash picture.
Estimated remaining funds due at closing
$250,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,218.44
Your down payment$236,218.44
Closing costs + prepaids$14,096.66
Total buyer cash needed$250,315.09
Remaining funds due$250,315.09
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)$1,022.00
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$819.66
Fees + prepaids$14,096.66
Your down payment is the seller’s equity. You take over the $323,782 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $250,315.09 is due at closing. Uses and sources reconcile at $574,096.66 each. Not a Closing Disclosure.