Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$238,463Cash toward the purchase price.
Closing costs + prepaids$13,822Not just lender fees.
Before credits & paid funds$252,285The complete starting cash picture.
Estimated remaining funds due at closing
$252,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,462.95
Your down payment$238,462.95
Closing costs + prepaids$13,822.18
Total buyer cash needed$252,285.12
Remaining funds due$252,285.12
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)$1,466.25
Prepaid interest, first (5 days)$130.93
Fees + prepaids$13,822.18
Your down payment is the seller’s equity. You take over the $336,537 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $252,285.12 is due at closing. Uses and sources reconcile at $588,822.18 each. Not a Closing Disclosure.