Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$275,761Cash toward the purchase price.
Closing costs + prepaids$19,614Not just lender fees.
Before credits & paid funds$295,375The complete starting cash picture.
Estimated remaining funds due at closing
$295,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,761.21
Your down payment$275,761.21
Closing costs + prepaids$19,614.04
Total buyer cash needed$295,375.25
Remaining funds due$295,375.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,990.00
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)$2,247.50
Prepaid interest, first (24 days)$1,151.54
Fees + prepaids$19,614.04
Your down payment is the seller’s equity. You take over the $623,239 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $295,375.25 is due at closing. Uses and sources reconcile at $918,614.04 each. Not a Closing Disclosure.