Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$249,665Cash toward the purchase price.
Closing costs + prepaids$13,539Not just lender fees.
Before credits & paid funds$263,204The complete starting cash picture.
Estimated remaining funds due at closing
$263,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,665.19
Your down payment$249,665.19
Closing costs + prepaids$13,539.22
Total buyer cash needed$263,204.41
Remaining funds due$263,204.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$700.00
Initial HOA (3 months)$225.00
Prepaid interest, first (14 days)$539.22
Fees + prepaids$13,539.22
Your down payment is the seller’s equity. You take over the $310,335 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $263,204.41 is due at closing. Uses and sources reconcile at $573,539.22 each. Not a Closing Disclosure.