Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$250,585Cash toward the purchase price.
Closing costs + prepaids$15,098Not just lender fees.
Before credits & paid funds$265,683The complete starting cash picture.
Estimated remaining funds due at closing
$265,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,585.41
Your down payment$250,585.41
Closing costs + prepaids$15,097.70
Total buyer cash needed$265,683.10
Remaining funds due$265,683.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$1,537.50
Prepaid interest, first (29 days)$935.20
Fees + prepaids$15,097.70
Your down payment is the seller’s equity. You take over the $364,415 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $265,683.10 is due at closing. Uses and sources reconcile at $630,097.70 each. Not a Closing Disclosure.