Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$246,462Cash toward the purchase price.
Closing costs + prepaids$13,948Not just lender fees.
Before credits & paid funds$260,410The complete starting cash picture.
Estimated remaining funds due at closing
$260,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,462.16
Your down payment$246,462.16
Closing costs + prepaids$13,948.05
Total buyer cash needed$260,410.21
Remaining funds due$260,410.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,086.35
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)$387.00
Prepaid interest, first (31 days)$999.70
Fees + prepaids$13,948.05
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $608,635 price is paid at closing. A second mortgage can cover part of it. $260,410.21 is due at closing. Uses and sources reconcile at $622,583.05 each. Not a Closing Disclosure.