Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$274,515Cash toward the purchase price.
Closing costs + prepaids$13,001Not just lender fees.
Before credits & paid funds$287,515The complete starting cash picture.
Estimated remaining funds due at closing
$287,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,514.51
Your down payment$274,514.51
Closing costs + prepaids$13,000.87
Total buyer cash needed$287,515.38
Remaining funds due$287,515.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.99
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)$1,187.50
Prepaid interest, first (26 days)$588.38
Fees + prepaids$13,000.87
Your down payment is the seller’s equity. You take over the $200,484 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $287,515.38 is due at closing. Uses and sources reconcile at $487,999.87 each. Not a Closing Disclosure.