Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$227,710Cash toward the purchase price.
Closing costs + prepaids$19,099Not just lender fees.
Before credits & paid funds$246,809The complete starting cash picture.
Estimated remaining funds due at closing
$246,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,710.26
Your down payment$227,710.26
Closing costs + prepaids$19,099.21
Total buyer cash needed$246,809.47
Remaining funds due$246,809.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
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)$2,097.50
Prepaid interest, first (30 days)$1,386.71
Fees + prepaids$19,099.21
Your down payment is the seller’s equity. You take over the $611,290 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $246,809.47 is due at closing. Uses and sources reconcile at $858,099.21 each. Not a Closing Disclosure.