Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$234,053Cash toward the purchase price.
Closing costs + prepaids$13,275Not just lender fees.
Before credits & paid funds$247,328The complete starting cash picture.
Estimated remaining funds due at closing
$247,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,053.08
Your down payment$234,053.08
Closing costs + prepaids$13,274.72
Total buyer cash needed$247,327.81
Remaining funds due$247,327.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$696.00
Prepaid interest, first (12 days)$304.72
Fees + prepaids$13,274.72
Your down payment is the seller’s equity. You take over the $345,847 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $247,327.81 is due at closing. Uses and sources reconcile at $593,174.72 each. Not a Closing Disclosure.