Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$252,895Cash toward the purchase price.
Closing costs + prepaids$14,955Not just lender fees.
Before credits & paid funds$267,850The complete starting cash picture.
Estimated remaining funds due at closing
$267,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,895.01
Your down payment$252,895.01
Closing costs + prepaids$14,954.64
Total buyer cash needed$267,849.65
Remaining funds due$267,849.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,404.00
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)$387.00
Prepaid interest, first (27 days)$1,688.64
Fees + prepaids$14,954.64
Your down payment is the seller’s equity. You take over the $387,505 balance, so the rest of the $640,400 price is paid at closing. A second mortgage can cover part of it. $267,849.65 is due at closing. Uses and sources reconcile at $655,354.64 each. Not a Closing Disclosure.