Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$258,546Cash toward the purchase price.
Closing costs + prepaids$13,895Not just lender fees.
Before credits & paid funds$272,441The complete starting cash picture.
Estimated remaining funds due at closing
$272,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,546.16
Your down payment$258,546.16
Closing costs + prepaids$13,895.17
Total buyer cash needed$272,441.33
Remaining funds due$272,441.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,725.50
Prepaid interest, first (2 days)$44.67
Fees + prepaids$13,895.17
Your down payment is the seller’s equity. You take over the $306,454 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $272,441.33 is due at closing. Uses and sources reconcile at $578,895.17 each. Not a Closing Disclosure.