Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$239,992Cash toward the purchase price.
Closing costs + prepaids$21,411Not just lender fees.
Before credits & paid funds$261,403The complete starting cash picture.
Estimated remaining funds due at closing
$261,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,992.23
Your down payment$239,992.23
Closing costs + prepaids$21,411.21
Total buyer cash needed$261,403.44
Remaining funds due$261,403.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.99
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)$2,250.00
Prepaid interest, first (23 days)$2,936.22
Fees + prepaids$21,411.21
Your down payment is the seller’s equity. You take over the $660,007 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $261,403.44 is due at closing. Uses and sources reconcile at $921,410.21 each. Not a Closing Disclosure.