Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$265,190Cash toward the purchase price.
Closing costs + prepaids$13,867Not just lender fees.
Before credits & paid funds$279,057The complete starting cash picture.
Estimated remaining funds due at closing
$279,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,190.06
Your down payment$265,190.06
Closing costs + prepaids$13,866.75
Total buyer cash needed$279,056.81
Remaining funds due$279,056.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.95
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)$1,337.50
Prepaid interest, first (24 days)$704.30
Fees + prepaids$13,866.75
Your down payment is the seller’s equity. You take over the $269,805 balance, so the rest of the $534,995 price is paid at closing. A second mortgage can cover part of it. $279,056.81 is due at closing. Uses and sources reconcile at $548,861.75 each. Not a Closing Disclosure.