Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$252,773Cash toward the purchase price.
Closing costs + prepaids$13,187Not just lender fees.
Before credits & paid funds$265,960The complete starting cash picture.
Estimated remaining funds due at closing
$265,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,773.34
Your down payment$252,773.34
Closing costs + prepaids$13,186.58
Total buyer cash needed$265,959.92
Remaining funds due$265,959.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,580.75
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (2 days)$130.83
Fees + prepaids$13,186.58
Your down payment is the seller’s equity. You take over the $405,302 balance, so the rest of the $658,075 price is paid at closing. A second mortgage can cover part of it. $265,959.92 is due at closing. Uses and sources reconcile at $671,261.58 each. Not a Closing Disclosure.