Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$252,643Cash toward the purchase price.
Closing costs + prepaids$18,455Not just lender fees.
Before credits & paid funds$271,099The complete starting cash picture.
Estimated remaining funds due at closing
$271,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,643.36
Your down payment$252,643.36
Closing costs + prepaids$18,455.24
Total buyer cash needed$271,098.60
Remaining funds due$271,098.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,937.50
Prepaid interest, first (28 days)$1,542.74
Fees + prepaids$18,455.24
Your down payment is the seller’s equity. You take over the $522,357 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $271,098.60 is due at closing. Uses and sources reconcile at $793,455.24 each. Not a Closing Disclosure.