Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$351,371Cash toward the purchase price.
Closing costs + prepaids$13,067Not just lender fees.
Before credits & paid funds$364,438The complete starting cash picture.
Estimated remaining funds due at closing
$364,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,371.36
Your down payment$351,371.36
Closing costs + prepaids$13,066.96
Total buyer cash needed$364,438.32
Remaining funds due$364,438.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$342.75
Prepaid interest, first (21 days)$499.21
Fees + prepaids$13,066.96
Your down payment is the seller’s equity. You take over the $223,629 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $364,438.32 is due at closing. Uses and sources reconcile at $588,066.96 each. Not a Closing Disclosure.