Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$289,843Cash toward the purchase price.
Closing costs + prepaids$19,220Not just lender fees.
Before credits & paid funds$309,062The complete starting cash picture.
Estimated remaining funds due at closing
$309,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,842.55
Your down payment$289,842.55
Closing costs + prepaids$19,219.63
Total buyer cash needed$309,062.18
Remaining funds due$309,062.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,749.00
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)$597.00
Prepaid interest, first (27 days)$2,648.63
Fees + prepaids$19,219.63
Your down payment is the seller’s equity. You take over the $585,057 balance, so the rest of the $874,900 price is paid at closing. A second mortgage can cover part of it. $309,062.18 is due at closing. Uses and sources reconcile at $894,119.63 each. Not a Closing Disclosure.