Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$253,212Cash toward the purchase price.
Closing costs + prepaids$15,023Not just lender fees.
Before credits & paid funds$268,235The complete starting cash picture.
Estimated remaining funds due at closing
$268,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,211.68
Your down payment$253,211.68
Closing costs + prepaids$15,022.93
Total buyer cash needed$268,234.61
Remaining funds due$268,234.61
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)$684.00
Initial HOA (3 months)$1,992.00
Prepaid interest, first (7 days)$171.93
Fees + prepaids$15,022.93
Your down payment is the seller’s equity. You take over the $316,788 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $268,234.61 is due at closing. Uses and sources reconcile at $585,022.93 each. Not a Closing Disclosure.