Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$256,320Cash toward the purchase price.
Closing costs + prepaids$22,351Not just lender fees.
Before credits & paid funds$278,672The complete starting cash picture.
Estimated remaining funds due at closing
$278,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,320.18
Your down payment$256,320.18
Closing costs + prepaids$22,351.35
Total buyer cash needed$278,671.53
Remaining funds due$278,671.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,499.99
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)$2,375.00
Prepaid interest, first (26 days)$3,251.36
Fees + prepaids$22,351.35
Your down payment is the seller’s equity. You take over the $693,679 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $278,671.53 is due at closing. Uses and sources reconcile at $972,350.35 each. Not a Closing Disclosure.