Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$263,720Cash toward the purchase price.
Closing costs + prepaids$24,892Not just lender fees.
Before credits & paid funds$288,612The complete starting cash picture.
Estimated remaining funds due at closing
$288,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,720.06
Your down payment$263,720.06
Closing costs + prepaids$24,892.21
Total buyer cash needed$288,612.26
Remaining funds due$288,612.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$2,747.50
Prepaid interest, first (27 days)$3,929.71
Fees + prepaids$24,892.21
Your down payment is the seller’s equity. You take over the $835,280 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $288,612.26 is due at closing. Uses and sources reconcile at $1,123,892.21 each. Not a Closing Disclosure.