Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,965Cash toward the purchase price.
Closing costs + prepaids$16,973Not just lender fees.
Before credits & paid funds$281,938The complete starting cash picture.
Estimated remaining funds due at closing
$281,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,964.89
Your down payment$264,964.89
Closing costs + prepaids$16,973.31
Total buyer cash needed$281,938.20
Remaining funds due$281,938.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,580.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,098.50
Prepaid interest, first (26 days)$1,819.81
Fees + prepaids$16,973.31
Your down payment is the seller’s equity. You take over the $393,035 balance, so the rest of the $658,000 price is paid at closing. A second mortgage can cover part of it. $281,938.20 is due at closing. Uses and sources reconcile at $674,973.31 each. Not a Closing Disclosure.