Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$264,029Cash toward the purchase price.
Closing costs + prepaids$14,239Not just lender fees.
Before credits & paid funds$278,268The complete starting cash picture.
Estimated remaining funds due at closing
$278,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,029.05
Your down payment$264,029.05
Closing costs + prepaids$14,239.06
Total buyer cash needed$278,268.11
Remaining funds due$278,268.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,844.50
Prepaid interest, first (28 days)$569.56
Fees + prepaids$14,239.06
Your down payment is the seller’s equity. You take over the $270,971 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $278,268.11 is due at closing. Uses and sources reconcile at $549,239.06 each. Not a Closing Disclosure.