Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$267,740Cash toward the purchase price.
Closing costs + prepaids$14,508Not just lender fees.
Before credits & paid funds$282,248The complete starting cash picture.
Estimated remaining funds due at closing
$282,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,739.83
Your down payment$267,739.83
Closing costs + prepaids$14,508.18
Total buyer cash needed$282,248.01
Remaining funds due$282,248.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,550.00
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)$786.00
Initial HOA (3 months)$76.50
Prepaid interest, first (9 days)$620.68
Fees + prepaids$14,508.18
Your down payment is the seller’s equity. You take over the $387,260 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $282,248.01 is due at closing. Uses and sources reconcile at $669,508.18 each. Not a Closing Disclosure.