Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$272,913Cash toward the purchase price.
Closing costs + prepaids$15,459Not just lender fees.
Before credits & paid funds$288,372The complete starting cash picture.
Estimated remaining funds due at closing
$288,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,912.78
Your down payment$272,912.78
Closing costs + prepaids$15,459.46
Total buyer cash needed$288,372.24
Remaining funds due$288,372.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$1,597.50
Prepaid interest, first (28 days)$996.96
Fees + prepaids$15,459.46
Your down payment is the seller’s equity. You take over the $366,087 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $288,372.24 is due at closing. Uses and sources reconcile at $654,459.46 each. Not a Closing Disclosure.