Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$312,349Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$325,509The complete starting cash picture.
Estimated remaining funds due at closing
$325,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,348.92
Your down payment$312,348.92
Closing costs + prepaids$13,160.07
Total buyer cash needed$325,508.98
Remaining funds due$325,508.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$694.75
Prepaid interest, first (6 days)$200.32
Fees + prepaids$13,160.07
Your down payment is the seller’s equity. You take over the $266,651 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $325,508.98 is due at closing. Uses and sources reconcile at $592,160.07 each. Not a Closing Disclosure.