Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$254,112Cash toward the purchase price.
Closing costs + prepaids$18,038Not just lender fees.
Before credits & paid funds$272,149The complete starting cash picture.
Estimated remaining funds due at closing
$272,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,111.85
Your down payment$254,111.85
Closing costs + prepaids$18,037.60
Total buyer cash needed$272,149.46
Remaining funds due$272,149.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,749.00
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)$801.75
Prepaid interest, first (2 days)$261.85
Fees + prepaids$18,037.60
Your down payment is the seller’s equity. You take over the $720,788 balance, so the rest of the $974,900 price is paid at closing. A second mortgage can cover part of it. $272,149.46 is due at closing. Uses and sources reconcile at $992,937.60 each. Not a Closing Disclosure.