Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$256,537Cash toward the purchase price.
Closing costs + prepaids$13,528Not just lender fees.
Before credits & paid funds$270,065The complete starting cash picture.
Estimated remaining funds due at closing
$270,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,536.68
Your down payment$256,536.68
Closing costs + prepaids$13,527.99
Total buyer cash needed$270,064.67
Remaining funds due$270,064.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$738.00
Prepaid interest, first (6 days)$164.99
Fees + prepaids$13,527.99
Your down payment is the seller’s equity. You take over the $358,463 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $270,064.67 is due at closing. Uses and sources reconcile at $628,527.99 each. Not a Closing Disclosure.