Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$274,717Cash toward the purchase price.
Closing costs + prepaids$12,704Not just lender fees.
Before credits & paid funds$287,421The complete starting cash picture.
Estimated remaining funds due at closing
$287,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,717.28
Your down payment$274,717.28
Closing costs + prepaids$12,703.88
Total buyer cash needed$287,421.16
Remaining funds due$287,421.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.67
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)$1,032.75
Prepaid interest, first (26 days)$595.46
Fees + prepaids$12,703.88
Your down payment is the seller’s equity. You take over the $185,350 balance, so the rest of the $460,067 price is paid at closing. A second mortgage can cover part of it. $287,421.16 is due at closing. Uses and sources reconcile at $472,770.88 each. Not a Closing Disclosure.