Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$272,020Cash toward the purchase price.
Closing costs + prepaids$24,595Not just lender fees.
Before credits & paid funds$296,615The complete starting cash picture.
Estimated remaining funds due at closing
$296,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,019.90
Your down payment$272,019.90
Closing costs + prepaids$24,594.71
Total buyer cash needed$296,614.61
Remaining funds due$296,614.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,999.50
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)$2,750.00
Prepaid interest, first (24 days)$3,620.21
Fees + prepaids$24,594.71
Your down payment is the seller’s equity. You take over the $827,930 balance, so the rest of the $1,099,950 price is paid at closing. A second mortgage can cover part of it. $296,614.61 is due at closing. Uses and sources reconcile at $1,124,544.71 each. Not a Closing Disclosure.