Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$270,864Cash toward the purchase price.
Closing costs + prepaids$14,755Not just lender fees.
Before credits & paid funds$285,618The complete starting cash picture.
Estimated remaining funds due at closing
$285,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,863.89
Your down payment$270,863.89
Closing costs + prepaids$14,754.59
Total buyer cash needed$285,618.48
Remaining funds due$285,618.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.90
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)$1,437.50
Prepaid interest, first (29 days)$1,092.19
Fees + prepaids$14,754.59
Your down payment is the seller’s equity. You take over the $304,126 balance, so the rest of the $574,990 price is paid at closing. A second mortgage can cover part of it. $285,618.48 is due at closing. Uses and sources reconcile at $589,744.59 each. Not a Closing Disclosure.