Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$243,296Cash toward the purchase price.
Closing costs + prepaids$19,534Not just lender fees.
Before credits & paid funds$262,829The complete starting cash picture.
Estimated remaining funds due at closing
$262,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,295.50
Your down payment$243,295.50
Closing costs + prepaids$19,533.91
Total buyer cash needed$262,829.41
Remaining funds due$262,829.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$1,446.75
Prepaid interest, first (18 days)$1,862.16
Fees + prepaids$19,533.91
Your down payment is the seller’s equity. You take over the $656,704 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $262,829.41 is due at closing. Uses and sources reconcile at $919,533.91 each. Not a Closing Disclosure.