Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$261,616Cash toward the purchase price.
Closing costs + prepaids$17,612Not just lender fees.
Before credits & paid funds$279,228The complete starting cash picture.
Estimated remaining funds due at closing
$279,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,615.76
Your down payment$261,615.76
Closing costs + prepaids$17,611.82
Total buyer cash needed$279,227.58
Remaining funds due$279,227.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,189.50
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)$1,797.50
Prepaid interest, first (28 days)$1,399.82
Fees + prepaids$17,611.82
Your down payment is the seller’s equity. You take over the $457,334 balance, so the rest of the $718,950 price is paid at closing. A second mortgage can cover part of it. $279,227.58 is due at closing. Uses and sources reconcile at $736,561.82 each. Not a Closing Disclosure.