Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$274,827Cash toward the purchase price.
Closing costs + prepaids$10,492Not just lender fees.
Before credits & paid funds$285,319The complete starting cash picture.
Estimated remaining funds due at closing
$285,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,826.52
Your down payment$274,826.52
Closing costs + prepaids$10,492.40
Total buyer cash needed$285,318.91
Remaining funds due$285,318.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,840.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,392.25
Prepaid interest, first (23 days)$35.15
Fees + prepaids$10,492.40
Your down payment is the seller’s equity. You take over the $9,173 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $285,318.91 is due at closing. Uses and sources reconcile at $294,492.40 each. Not a Closing Disclosure.