Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$277,007Cash toward the purchase price.
Closing costs + prepaids$15,444Not just lender fees.
Before credits & paid funds$292,450The complete starting cash picture.
Estimated remaining funds due at closing
$292,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,006.71
Your down payment$277,006.71
Closing costs + prepaids$15,443.59
Total buyer cash needed$292,450.30
Remaining funds due$292,450.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Prepaid interest, first (28 days)$856.09
Fees + prepaids$15,443.59
Your down payment is the seller’s equity. You take over the $371,993 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $292,450.30 is due at closing. Uses and sources reconcile at $664,443.59 each. Not a Closing Disclosure.