Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$257,683Cash toward the purchase price.
Closing costs + prepaids$20,375Not just lender fees.
Before credits & paid funds$278,057The complete starting cash picture.
Estimated remaining funds due at closing
$278,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,682.85
Your down payment$257,682.85
Closing costs + prepaids$20,374.55
Total buyer cash needed$278,057.41
Remaining funds due$278,057.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,200.00
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)$2,050.00
Prepaid interest, first (29 days)$2,899.55
Fees + prepaids$20,374.55
Your down payment is the seller’s equity. You take over the $562,317 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $278,057.41 is due at closing. Uses and sources reconcile at $840,374.55 each. Not a Closing Disclosure.