Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$312,349Cash toward the purchase price.
Closing costs + prepaids$13,360Not just lender fees.
Before credits & paid funds$325,709The complete starting cash picture.
Estimated remaining funds due at closing
$325,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,348.92
Your down payment$312,348.92
Closing costs + prepaids$13,360.38
Total buyer cash needed$325,709.30
Remaining funds due$325,709.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$694.75
Prepaid interest, first (12 days)$400.63
Fees + prepaids$13,360.38
Your down payment is the seller’s equity. You take over the $266,651 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $325,709.30 is due at closing. Uses and sources reconcile at $592,360.38 each. Not a Closing Disclosure.