Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$348,179Cash toward the purchase price.
Closing costs + prepaids$13,223Not just lender fees.
Before credits & paid funds$361,401The complete starting cash picture.
Estimated remaining funds due at closing
$361,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,178.54
Your down payment$348,178.54
Closing costs + prepaids$13,222.79
Total buyer cash needed$361,401.33
Remaining funds due$361,401.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$711.25
Prepaid interest, first (16 days)$346.54
Fees + prepaids$13,222.79
Your down payment is the seller’s equity. You take over the $220,821 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $361,401.33 is due at closing. Uses and sources reconcile at $582,222.79 each. Not a Closing Disclosure.