Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$270,102Cash toward the purchase price.
Closing costs + prepaids$14,306Not just lender fees.
Before credits & paid funds$284,408The complete starting cash picture.
Estimated remaining funds due at closing
$284,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,102.13
Your down payment$270,102.13
Closing costs + prepaids$14,305.59
Total buyer cash needed$284,407.72
Remaining funds due$284,407.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$1,549.75
Prepaid interest, first (2 days)$81.84
Fees + prepaids$14,305.59
Your down payment is the seller’s equity. You take over the $349,798 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $284,407.72 is due at closing. Uses and sources reconcile at $634,205.59 each. Not a Closing Disclosure.