Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$263,018Cash toward the purchase price.
Closing costs + prepaids$15,213Not just lender fees.
Before credits & paid funds$278,232The complete starting cash picture.
Estimated remaining funds due at closing
$278,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,018.48
Your down payment$263,018.48
Closing costs + prepaids$15,213.08
Total buyer cash needed$278,231.56
Remaining funds due$278,231.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$831.25
Prepaid interest, first (17 days)$1,257.83
Fees + prepaids$15,213.08
Your down payment is the seller’s equity. You take over the $401,882 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $278,231.56 is due at closing. Uses and sources reconcile at $680,113.08 each. Not a Closing Disclosure.