Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$261,000Cash toward the purchase price.
Closing costs + prepaids$13,938Not just lender fees.
Before credits & paid funds$274,938The complete starting cash picture.
Estimated remaining funds due at closing
$274,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,000.43
Your down payment$261,000.43
Closing costs + prepaids$13,937.71
Total buyer cash needed$274,938.14
Remaining funds due$274,938.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,350.00
Prepaid interest, first (28 days)$712.71
Fees + prepaids$13,937.71
Your down payment is the seller’s equity. You take over the $279,000 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $274,938.14 is due at closing. Uses and sources reconcile at $553,937.71 each. Not a Closing Disclosure.