Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$239,992Cash toward the purchase price.
Closing costs + prepaids$22,432Not just lender fees.
Before credits & paid funds$262,425The complete starting cash picture.
Estimated remaining funds due at closing
$262,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,992.23
Your down payment$239,992.23
Closing costs + prepaids$22,432.50
Total buyer cash needed$262,424.73
Remaining funds due$262,424.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.99
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)$2,250.00
Prepaid interest, first (31 days)$3,957.51
Fees + prepaids$22,432.50
Your down payment is the seller’s equity. You take over the $660,007 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $262,424.73 is due at closing. Uses and sources reconcile at $922,431.50 each. Not a Closing Disclosure.