Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$275,160Cash toward the purchase price.
Closing costs + prepaids$18,380Not just lender fees.
Before credits & paid funds$293,540The complete starting cash picture.
Estimated remaining funds due at closing
$293,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,159.89
Your down payment$275,159.89
Closing costs + prepaids$18,380.21
Total buyer cash needed$293,540.10
Remaining funds due$293,540.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,099.99
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)$1,775.00
Prepaid interest, first (29 days)$2,280.22
Fees + prepaids$18,380.21
Your down payment is the seller’s equity. You take over the $434,839 balance, so the rest of the $709,999 price is paid at closing. A second mortgage can cover part of it. $293,540.10 is due at closing. Uses and sources reconcile at $728,379.21 each. Not a Closing Disclosure.