Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$288,991Cash toward the purchase price.
Closing costs + prepaids$15,357Not just lender fees.
Before credits & paid funds$304,348The complete starting cash picture.
Estimated remaining funds due at closing
$304,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,990.60
Your down payment$288,990.60
Closing costs + prepaids$15,357.13
Total buyer cash needed$304,347.73
Remaining funds due$304,347.73
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 (27 days)$769.63
Fees + prepaids$15,357.13
Your down payment is the seller’s equity. You take over the $360,009 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $304,347.73 is due at closing. Uses and sources reconcile at $664,357.13 each. Not a Closing Disclosure.