Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$278,585Cash toward the purchase price.
Closing costs + prepaids$13,718Not just lender fees.
Before credits & paid funds$292,303The complete starting cash picture.
Estimated remaining funds due at closing
$292,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,585.41
Your down payment$278,585.41
Closing costs + prepaids$13,717.80
Total buyer cash needed$292,303.21
Remaining funds due$292,303.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,164.00
Prepaid interest, first (26 days)$579.80
Fees + prepaids$13,717.80
Your down payment is the seller’s equity. You take over the $271,315 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $292,303.21 is due at closing. Uses and sources reconcile at $563,617.80 each. Not a Closing Disclosure.