Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$255,724Cash toward the purchase price.
Closing costs + prepaids$18,808Not just lender fees.
Before credits & paid funds$274,532The complete starting cash picture.
Estimated remaining funds due at closing
$274,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,723.68
Your down payment$255,723.68
Closing costs + prepaids$18,808.47
Total buyer cash needed$274,532.15
Remaining funds due$274,532.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.50
Prepaid interest, first (29 days)$1,270.97
Fees + prepaids$18,808.47
Your down payment is the seller’s equity. You take over the $569,276 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $274,532.15 is due at closing. Uses and sources reconcile at $843,808.47 each. Not a Closing Disclosure.