Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$270,891Cash toward the purchase price.
Closing costs + prepaids$13,121Not just lender fees.
Before credits & paid funds$284,012The complete starting cash picture.
Estimated remaining funds due at closing
$284,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,891.29
Your down payment$270,891.29
Closing costs + prepaids$13,120.58
Total buyer cash needed$284,011.86
Remaining funds due$284,011.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$684.00
Prepaid interest, first (12 days)$261.58
Fees + prepaids$13,120.58
Your down payment is the seller’s equity. You take over the $299,109 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $284,011.86 is due at closing. Uses and sources reconcile at $583,120.58 each. Not a Closing Disclosure.