Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$277,340Cash toward the purchase price.
Closing costs + prepaids$12,913Not just lender fees.
Before credits & paid funds$290,253The complete starting cash picture.
Estimated remaining funds due at closing
$290,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,340.08
Your down payment$277,340.08
Closing costs + prepaids$12,913.27
Total buyer cash needed$290,253.35
Remaining funds due$290,253.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$314.25
Prepaid interest, first (31 days)$625.02
Fees + prepaids$12,913.27
Your down payment is the seller’s equity. You take over the $272,560 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $290,253.35 is due at closing. Uses and sources reconcile at $562,813.27 each. Not a Closing Disclosure.