Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$268,397Cash toward the purchase price.
Closing costs + prepaids$27,676Not just lender fees.
Before credits & paid funds$296,073The complete starting cash picture.
Estimated remaining funds due at closing
$296,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,397.06
Your down payment$268,397.06
Closing costs + prepaids$27,675.77
Total buyer cash needed$296,072.82
Remaining funds due$296,072.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,790.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,197.50
Prepaid interest, first (26 days)$4,463.27
Fees + prepaids$27,675.77
Your down payment is the seller’s equity. You take over the $1,010,603 balance, so the rest of the $1,279,000 price is paid at closing. A second mortgage can cover part of it. $296,072.82 is due at closing. Uses and sources reconcile at $1,306,675.77 each. Not a Closing Disclosure.