Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$282,612Cash toward the purchase price.
Closing costs + prepaids$13,368Not just lender fees.
Before credits & paid funds$295,980The complete starting cash picture.
Estimated remaining funds due at closing
$295,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,612.13
Your down payment$282,612.13
Closing costs + prepaids$13,367.54
Total buyer cash needed$295,979.67
Remaining funds due$295,979.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.00
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)$539.75
Prepaid interest, first (26 days)$603.79
Fees + prepaids$13,367.54
Your down payment is the seller’s equity. You take over the $292,288 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $295,979.67 is due at closing. Uses and sources reconcile at $588,267.54 each. Not a Closing Disclosure.