Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$272,281Cash toward the purchase price.
Closing costs + prepaids$19,710Not just lender fees.
Before credits & paid funds$291,991The complete starting cash picture.
Estimated remaining funds due at closing
$291,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,280.51
Your down payment$272,280.51
Closing costs + prepaids$19,710.12
Total buyer cash needed$291,990.64
Remaining funds due$291,990.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.90
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)$2,125.00
Prepaid interest, first (23 days)$1,860.22
Fees + prepaids$19,710.12
Your down payment is the seller’s equity. You take over the $577,709 balance, so the rest of the $849,990 price is paid at closing. A second mortgage can cover part of it. $291,990.64 is due at closing. Uses and sources reconcile at $869,700.12 each. Not a Closing Disclosure.