Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$273,717Cash toward the purchase price.
Closing costs + prepaids$17,986Not just lender fees.
Before credits & paid funds$291,703The complete starting cash picture.
Estimated remaining funds due at closing
$291,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,717.02
Your down payment$273,717.02
Closing costs + prepaids$17,985.78
Total buyer cash needed$291,702.80
Remaining funds due$291,702.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,038.00
Initial HOA (3 months)$180.51
Prepaid interest, first (9 days)$892.27
Fees + prepaids$17,985.78
Your down payment is the seller’s equity. You take over the $591,283 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $291,702.80 is due at closing. Uses and sources reconcile at $882,985.78 each. Not a Closing Disclosure.