Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$288,157Cash toward the purchase price.
Closing costs + prepaids$27,361Not just lender fees.
Before credits & paid funds$315,518The complete starting cash picture.
Estimated remaining funds due at closing
$315,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,157.40
Your down payment$288,157.40
Closing costs + prepaids$27,360.90
Total buyer cash needed$315,518.29
Remaining funds due$315,518.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,499.99
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)$3,125.00
Prepaid interest, first (27 days)$4,510.91
Fees + prepaids$27,360.90
Your down payment is the seller’s equity. You take over the $961,842 balance, so the rest of the $1,249,999 price is paid at closing. A second mortgage can cover part of it. $315,518.29 is due at closing. Uses and sources reconcile at $1,277,359.90 each. Not a Closing Disclosure.