Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$262,533Cash toward the purchase price.
Closing costs + prepaids$13,631Not just lender fees.
Before credits & paid funds$276,164The complete starting cash picture.
Estimated remaining funds due at closing
$276,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,533.37
Your down payment$262,533.37
Closing costs + prepaids$13,630.96
Total buyer cash needed$276,164.33
Remaining funds due$276,164.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,525.00
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)$912.00
Prepaid interest, first (25 days)$718.96
Fees + prepaids$13,630.96
Your down payment is the seller’s equity. You take over the $289,967 balance, so the rest of the $552,500 price is paid at closing. A second mortgage can cover part of it. $276,164.33 is due at closing. Uses and sources reconcile at $566,130.96 each. Not a Closing Disclosure.