Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$244,762Cash toward the purchase price.
Closing costs + prepaids$19,795Not just lender fees.
Before credits & paid funds$264,557The complete starting cash picture.
Estimated remaining funds due at closing
$264,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,762.33
Your down payment$244,762.33
Closing costs + prepaids$19,794.60
Total buyer cash needed$264,556.92
Remaining funds due$264,556.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,398.00
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)$2,099.50
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$1,547.10
Fees + prepaids$19,794.60
Your down payment is the seller’s equity. You take over the $595,038 balance, so the rest of the $839,800 price is paid at closing. A second mortgage can cover part of it. $264,556.92 is due at closing. Uses and sources reconcile at $859,594.60 each. Not a Closing Disclosure.