Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$243,087Cash toward the purchase price.
Closing costs + prepaids$13,172Not just lender fees.
Before credits & paid funds$256,259The complete starting cash picture.
Estimated remaining funds due at closing
$256,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,086.96
Your down payment$243,086.96
Closing costs + prepaids$13,171.62
Total buyer cash needed$256,258.57
Remaining funds due$256,258.57
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)$672.00
Initial HOA (3 months)$285.00
Prepaid interest, first (6 days)$139.62
Fees + prepaids$13,171.62
Your down payment is the seller’s equity. You take over the $316,913 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $256,258.57 is due at closing. Uses and sources reconcile at $573,171.62 each. Not a Closing Disclosure.