Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,539Cash toward the purchase price.
Closing costs + prepaids$13,643Not just lender fees.
Before credits & paid funds$270,181The complete starting cash picture.
Estimated remaining funds due at closing
$270,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,538.70
Your down payment$256,538.70
Closing costs + prepaids$13,642.57
Total buyer cash needed$270,181.28
Remaining funds due$270,181.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$949.00
Prepaid interest, first (27 days)$819.57
Fees + prepaids$13,642.57
Your down payment is the seller’s equity. You take over the $283,361 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $270,181.28 is due at closing. Uses and sources reconcile at $553,542.57 each. Not a Closing Disclosure.