Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$306,051Cash toward the purchase price.
Closing costs + prepaids$13,731Not just lender fees.
Before credits & paid funds$319,782The complete starting cash picture.
Estimated remaining funds due at closing
$319,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,050.76
Your down payment$306,050.76
Closing costs + prepaids$13,731.34
Total buyer cash needed$319,782.10
Remaining funds due$319,782.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,453.25
Prepaid interest, first (5 days)$104.09
Fees + prepaids$13,731.34
Your down payment is the seller’s equity. You take over the $263,849 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $319,782.10 is due at closing. Uses and sources reconcile at $583,631.34 each. Not a Closing Disclosure.