Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$259,322Cash toward the purchase price.
Closing costs + prepaids$15,075Not just lender fees.
Before credits & paid funds$274,397The complete starting cash picture.
Estimated remaining funds due at closing
$274,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,322.27
Your down payment$259,322.27
Closing costs + prepaids$15,075.17
Total buyer cash needed$274,397.44
Remaining funds due$274,397.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (29 days)$975.17
Fees + prepaids$15,075.17
Your down payment is the seller’s equity. You take over the $350,678 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $274,397.44 is due at closing. Uses and sources reconcile at $625,075.17 each. Not a Closing Disclosure.