Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$284,283Cash toward the purchase price.
Closing costs + prepaids$13,682Not just lender fees.
Before credits & paid funds$297,965The complete starting cash picture.
Estimated remaining funds due at closing
$297,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,282.66
Your down payment$284,282.66
Closing costs + prepaids$13,681.98
Total buyer cash needed$297,964.64
Remaining funds due$297,964.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$981.00
Prepaid interest, first (31 days)$675.98
Fees + prepaids$13,681.98
Your down payment is the seller’s equity. You take over the $270,717 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $297,964.64 is due at closing. Uses and sources reconcile at $568,681.98 each. Not a Closing Disclosure.