Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$239,174Cash toward the purchase price.
Closing costs + prepaids$21,594Not just lender fees.
Before credits & paid funds$260,769The complete starting cash picture.
Estimated remaining funds due at closing
$260,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,174.42
Your down payment$239,174.42
Closing costs + prepaids$21,594.18
Total buyer cash needed$260,768.60
Remaining funds due$260,768.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.00
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)$2,249.75
Prepaid interest, first (26 days)$3,120.43
Fees + prepaids$21,594.18
Your down payment is the seller’s equity. You take over the $660,726 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $260,768.60 is due at closing. Uses and sources reconcile at $921,494.18 each. Not a Closing Disclosure.