Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$254,877Cash toward the purchase price.
Closing costs + prepaids$18,021Not just lender fees.
Before credits & paid funds$272,897The complete starting cash picture.
Estimated remaining funds due at closing
$272,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,876.77
Your down payment$254,876.77
Closing costs + prepaids$18,020.62
Total buyer cash needed$272,897.39
Remaining funds due$272,897.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,799.50
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)$1,950.00
Prepaid interest, first (24 days)$1,046.12
Fees + prepaids$18,020.62
Your down payment is the seller’s equity. You take over the $525,073 balance, so the rest of the $779,950 price is paid at closing. A second mortgage can cover part of it. $272,897.39 is due at closing. Uses and sources reconcile at $797,970.62 each. Not a Closing Disclosure.