Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$333,627Cash toward the purchase price.
Closing costs + prepaids$12,645Not just lender fees.
Before credits & paid funds$346,272The complete starting cash picture.
Estimated remaining funds due at closing
$346,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,627.16
Your down payment$333,627.16
Closing costs + prepaids$12,644.66
Total buyer cash needed$346,271.81
Remaining funds due$346,271.81
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)$371.25
Prepaid interest, first (2 days)$48.41
Fees + prepaids$12,644.66
Your down payment is the seller’s equity. You take over the $241,373 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $346,271.81 is due at closing. Uses and sources reconcile at $587,644.66 each. Not a Closing Disclosure.