Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$244,685Cash toward the purchase price.
Closing costs + prepaids$19,035Not just lender fees.
Before credits & paid funds$263,720The complete starting cash picture.
Estimated remaining funds due at closing
$263,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,684.63
Your down payment$244,684.63
Closing costs + prepaids$19,035.33
Total buyer cash needed$263,719.96
Remaining funds due$263,719.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,450.00
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)$2,112.50
Prepaid interest, first (27 days)$1,247.83
Fees + prepaids$19,035.33
Your down payment is the seller’s equity. You take over the $600,315 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $263,719.96 is due at closing. Uses and sources reconcile at $864,035.33 each. Not a Closing Disclosure.