Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$279,828Cash toward the purchase price.
Closing costs + prepaids$24,652Not just lender fees.
Before credits & paid funds$304,479The complete starting cash picture.
Estimated remaining funds due at closing
$304,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,827.53
Your down payment$279,827.53
Closing costs + prepaids$24,651.89
Total buyer cash needed$304,479.42
Remaining funds due$304,479.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,650.00
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)$2,879.50
Initial HOA (3 months)$2,091.00
Prepaid interest, first (26 days)$2,806.39
Fees + prepaids$24,651.89
Your down payment is the seller’s equity. You take over the $685,172 balance, so the rest of the $965,000 price is paid at closing. A second mortgage can cover part of it. $304,479.42 is due at closing. Uses and sources reconcile at $989,651.89 each. Not a Closing Disclosure.