Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$245,530Cash toward the purchase price.
Closing costs + prepaids$25,727Not just lender fees.
Before credits & paid funds$271,257The complete starting cash picture.
Estimated remaining funds due at closing
$271,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,530.06
Your down payment$245,530.06
Closing costs + prepaids$25,726.55
Total buyer cash needed$271,256.60
Remaining funds due$271,256.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,699.00
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)$2,924.75
Prepaid interest, first (24 days)$3,877.80
Fees + prepaids$25,726.55
Your down payment is the seller’s equity. You take over the $924,370 balance, so the rest of the $1,169,900 price is paid at closing. A second mortgage can cover part of it. $271,256.60 is due at closing. Uses and sources reconcile at $1,195,626.55 each. Not a Closing Disclosure.