Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$269,153Cash toward the purchase price.
Closing costs + prepaids$17,392Not just lender fees.
Before credits & paid funds$286,545The complete starting cash picture.
Estimated remaining funds due at closing
$286,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,153.06
Your down payment$269,153.06
Closing costs + prepaids$17,391.62
Total buyer cash needed$286,544.68
Remaining funds due$286,544.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
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)$720.00
Prepaid interest, first (27 days)$2,156.62
Fees + prepaids$17,391.62
Your down payment is the seller’s equity. You take over the $459,847 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $286,544.68 is due at closing. Uses and sources reconcile at $746,391.62 each. Not a Closing Disclosure.