Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$306,097Cash toward the purchase price.
Closing costs + prepaids$21,182Not just lender fees.
Before credits & paid funds$327,278The complete starting cash picture.
Estimated remaining funds due at closing
$327,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,096.83
Your down payment$306,096.83
Closing costs + prepaids$21,181.56
Total buyer cash needed$327,278.40
Remaining funds due$327,278.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,890.00
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)$2,472.50
Prepaid interest, first (24 days)$1,594.06
Fees + prepaids$21,181.56
Your down payment is the seller’s equity. You take over the $682,903 balance, so the rest of the $989,000 price is paid at closing. A second mortgage can cover part of it. $327,278.40 is due at closing. Uses and sources reconcile at $1,010,181.56 each. Not a Closing Disclosure.