Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$278,753Cash toward the purchase price.
Closing costs + prepaids$13,922Not just lender fees.
Before credits & paid funds$292,676The complete starting cash picture.
Estimated remaining funds due at closing
$292,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,753.25
Your down payment$278,753.25
Closing costs + prepaids$13,922.31
Total buyer cash needed$292,675.56
Remaining funds due$292,675.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$429.00
Prepaid interest, first (18 days)$1,068.31
Fees + prepaids$13,922.31
Your down payment is the seller’s equity. You take over the $316,247 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $292,675.56 is due at closing. Uses and sources reconcile at $608,922.31 each. Not a Closing Disclosure.