Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$252,683Cash toward the purchase price.
Closing costs + prepaids$19,212Not just lender fees.
Before credits & paid funds$271,895The complete starting cash picture.
Estimated remaining funds due at closing
$271,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,682.85
Your down payment$252,682.85
Closing costs + prepaids$19,212.22
Total buyer cash needed$271,895.08
Remaining funds due$271,895.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,150.00
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)$2,037.50
Prepaid interest, first (18 days)$1,799.72
Fees + prepaids$19,212.22
Your down payment is the seller’s equity. You take over the $562,317 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $271,895.08 is due at closing. Uses and sources reconcile at $834,212.22 each. Not a Closing Disclosure.