Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$253,626Cash toward the purchase price.
Closing costs + prepaids$17,062Not just lender fees.
Before credits & paid funds$270,687The complete starting cash picture.
Estimated remaining funds due at closing
$270,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,625.59
Your down payment$253,625.59
Closing costs + prepaids$17,061.88
Total buyer cash needed$270,687.48
Remaining funds due$270,687.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,799.50
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)$1,950.00
Prepaid interest, first (2 days)$87.38
Fees + prepaids$17,061.88
Your down payment is the seller’s equity. You take over the $526,324 balance, so the rest of the $779,950 price is paid at closing. A second mortgage can cover part of it. $270,687.48 is due at closing. Uses and sources reconcile at $797,011.88 each. Not a Closing Disclosure.