Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$260,972Cash toward the purchase price.
Closing costs + prepaids$15,482Not just lender fees.
Before credits & paid funds$276,455The complete starting cash picture.
Estimated remaining funds due at closing
$276,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,972.49
Your down payment$260,972.49
Closing costs + prepaids$15,482.37
Total buyer cash needed$276,454.86
Remaining funds due$276,454.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.99
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)$862.50
Prepaid interest, first (17 days)$1,244.88
Fees + prepaids$15,482.37
Your down payment is the seller’s equity. You take over the $429,027 balance, so the rest of the $689,999 price is paid at closing. A second mortgage can cover part of it. $276,454.86 is due at closing. Uses and sources reconcile at $705,481.37 each. Not a Closing Disclosure.