Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$252,306Cash toward the purchase price.
Closing costs + prepaids$13,848Not just lender fees.
Before credits & paid funds$266,154The complete starting cash picture.
Estimated remaining funds due at closing
$266,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,306.37
Your down payment$252,306.37
Closing costs + prepaids$13,847.68
Total buyer cash needed$266,154.05
Remaining funds due$266,154.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,350.00
Prepaid interest, first (25 days)$622.68
Fees + prepaids$13,847.68
Your down payment is the seller’s equity. You take over the $287,694 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $266,154.05 is due at closing. Uses and sources reconcile at $553,847.68 each. Not a Closing Disclosure.