Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$286,195Cash toward the purchase price.
Closing costs + prepaids$16,937Not just lender fees.
Before credits & paid funds$303,132The complete starting cash picture.
Estimated remaining funds due at closing
$303,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,195.08
Your down payment$286,195.08
Closing costs + prepaids$16,937.34
Total buyer cash needed$303,132.42
Remaining funds due$303,132.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$1,712.50
Prepaid interest, first (27 days)$1,899.84
Fees + prepaids$16,937.34
Your down payment is the seller’s equity. You take over the $398,805 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $303,132.42 is due at closing. Uses and sources reconcile at $701,937.34 each. Not a Closing Disclosure.