Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$272,326Cash toward the purchase price.
Closing costs + prepaids$14,975Not just lender fees.
Before credits & paid funds$287,301The complete starting cash picture.
Estimated remaining funds due at closing
$287,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,325.75
Your down payment$272,325.75
Closing costs + prepaids$14,974.87
Total buyer cash needed$287,300.62
Remaining funds due$287,300.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,375.00
Prepaid interest, first (31 days)$1,624.88
Fees + prepaids$14,974.87
Your down payment is the seller’s equity. You take over the $277,673 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $287,300.62 is due at closing. Uses and sources reconcile at $564,973.87 each. Not a Closing Disclosure.