Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$266,793Cash toward the purchase price.
Closing costs + prepaids$13,256Not just lender fees.
Before credits & paid funds$280,049The complete starting cash picture.
Estimated remaining funds due at closing
$280,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,793.35
Your down payment$266,793.35
Closing costs + prepaids$13,255.56
Total buyer cash needed$280,048.91
Remaining funds due$280,048.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,085.75
Prepaid interest, first (25 days)$495.81
Fees + prepaids$13,255.56
Your down payment is the seller’s equity. You take over the $253,107 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $280,048.91 is due at closing. Uses and sources reconcile at $533,155.56 each. Not a Closing Disclosure.