Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$273,390Cash toward the purchase price.
Closing costs + prepaids$20,333Not just lender fees.
Before credits & paid funds$293,722The complete starting cash picture.
Estimated remaining funds due at closing
$293,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,389.79
Your down payment$273,389.79
Closing costs + prepaids$20,332.67
Total buyer cash needed$293,722.46
Remaining funds due$293,722.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.00
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)$1,250.00
Prepaid interest, first (14 days)$1,858.67
Fees + prepaids$20,332.67
Your down payment is the seller’s equity. You take over the $726,510 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $293,722.46 is due at closing. Uses and sources reconcile at $1,020,232.67 each. Not a Closing Disclosure.