Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$255,746Cash toward the purchase price.
Closing costs + prepaids$14,031Not just lender fees.
Before credits & paid funds$269,777The complete starting cash picture.
Estimated remaining funds due at closing
$269,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,745.86
Your down payment$255,745.86
Closing costs + prepaids$14,030.82
Total buyer cash needed$269,776.67
Remaining funds due$269,776.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,107.00
Prepaid interest, first (27 days)$649.82
Fees + prepaids$14,030.82
Your down payment is the seller’s equity. You take over the $324,154 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $269,776.67 is due at closing. Uses and sources reconcile at $593,930.82 each. Not a Closing Disclosure.