Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$272,882Cash toward the purchase price.
Closing costs + prepaids$12,651Not just lender fees.
Before credits & paid funds$285,534The complete starting cash picture.
Estimated remaining funds due at closing
$285,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,882.38
Your down payment$272,882.38
Closing costs + prepaids$12,651.45
Total buyer cash needed$285,533.83
Remaining funds due$285,533.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.99
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)$489.00
Prepaid interest, first (25 days)$487.46
Fees + prepaids$12,651.45
Your down payment is the seller’s equity. You take over the $247,117 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $285,533.83 is due at closing. Uses and sources reconcile at $532,650.45 each. Not a Closing Disclosure.