Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$247,406Cash toward the purchase price.
Closing costs + prepaids$14,141Not just lender fees.
Before credits & paid funds$261,546The complete starting cash picture.
Estimated remaining funds due at closing
$261,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,405.74
Your down payment$247,405.74
Closing costs + prepaids$14,140.74
Total buyer cash needed$261,546.48
Remaining funds due$261,546.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.90
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)$31.00
Initial HOA (3 months)$141.00
Prepaid interest, first (26 days)$1,293.84
Fees + prepaids$14,140.74
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $619,990 price is paid at closing. A second mortgage can cover part of it. $261,546.48 is due at closing. Uses and sources reconcile at $634,130.74 each. Not a Closing Disclosure.