Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$265,370Cash toward the purchase price.
Closing costs + prepaids$13,094Not just lender fees.
Before credits & paid funds$278,464The complete starting cash picture.
Estimated remaining funds due at closing
$278,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,369.61
Your down payment$265,369.61
Closing costs + prepaids$13,094.06
Total buyer cash needed$278,463.67
Remaining funds due$278,463.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$756.25
Prepaid interest, first (26 days)$512.81
Fees + prepaids$13,094.06
Your down payment is the seller’s equity. You take over the $269,630 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $278,463.67 is due at closing. Uses and sources reconcile at $548,094.06 each. Not a Closing Disclosure.