Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$259,820Cash toward the purchase price.
Closing costs + prepaids$15,029Not just lender fees.
Before credits & paid funds$274,849The complete starting cash picture.
Estimated remaining funds due at closing
$274,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,820.12
Your down payment$259,820.12
Closing costs + prepaids$15,028.92
Total buyer cash needed$274,849.04
Remaining funds due$274,849.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.90
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)$1,550.00
Prepaid interest, first (28 days)$804.02
Fees + prepaids$15,028.92
Your down payment is the seller’s equity. You take over the $360,170 balance, so the rest of the $619,990 price is paid at closing. A second mortgage can cover part of it. $274,849.04 is due at closing. Uses and sources reconcile at $635,018.92 each. Not a Closing Disclosure.