Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$282,481Cash toward the purchase price.
Closing costs + prepaids$14,460Not just lender fees.
Before credits & paid funds$296,941The complete starting cash picture.
Estimated remaining funds due at closing
$296,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,480.91
Your down payment$282,480.91
Closing costs + prepaids$14,459.79
Total buyer cash needed$296,940.70
Remaining funds due$296,940.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$757.75
Prepaid interest, first (30 days)$928.04
Fees + prepaids$14,459.79
Your down payment is the seller’s equity. You take over the $347,419 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $296,940.70 is due at closing. Uses and sources reconcile at $644,359.79 each. Not a Closing Disclosure.