Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$398,266Cash toward the purchase price.
Closing costs + prepaids$13,278Not just lender fees.
Before credits & paid funds$411,544The complete starting cash picture.
Estimated remaining funds due at closing
$411,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,265.99
Your down payment$398,265.99
Closing costs + prepaids$13,277.52
Total buyer cash needed$411,543.51
Remaining funds due$411,543.51
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)$519.00
Prepaid interest, first (18 days)$583.52
Fees + prepaids$13,277.52
Your down payment is the seller’s equity. You take over the $171,734 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $411,543.51 is due at closing. Uses and sources reconcile at $583,277.52 each. Not a Closing Disclosure.