Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$272,817Cash toward the purchase price.
Closing costs + prepaids$14,189Not just lender fees.
Before credits & paid funds$287,007The complete starting cash picture.
Estimated remaining funds due at closing
$287,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,817.16
Your down payment$272,817.16
Closing costs + prepaids$14,189.36
Total buyer cash needed$287,006.52
Remaining funds due$287,006.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.90
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)$20.50
Initial HOA (3 months)$570.00
Prepaid interest, first (24 days)$773.96
Fees + prepaids$14,189.36
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $634,990 price is paid at closing. A second mortgage can cover part of it. $287,006.52 is due at closing. Uses and sources reconcile at $649,179.36 each. Not a Closing Disclosure.