Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$334,177Cash toward the purchase price.
Closing costs + prepaids$13,350Not just lender fees.
Before credits & paid funds$347,527The complete starting cash picture.
Estimated remaining funds due at closing
$347,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,177.03
Your down payment$334,177.03
Closing costs + prepaids$13,349.67
Total buyer cash needed$347,526.70
Remaining funds due$347,526.70
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)$690.00
Prepaid interest, first (18 days)$434.67
Fees + prepaids$13,349.67
Your down payment is the seller’s equity. You take over the $240,823 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $347,526.70 is due at closing. Uses and sources reconcile at $588,349.67 each. Not a Closing Disclosure.