Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$245,759Cash toward the purchase price.
Closing costs + prepaids$15,552Not just lender fees.
Before credits & paid funds$261,311The complete starting cash picture.
Estimated remaining funds due at closing
$261,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,758.86
Your down payment$245,758.86
Closing costs + prepaids$15,551.95
Total buyer cash needed$261,310.81
Remaining funds due$261,310.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,395.00
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)$444.75
Prepaid interest, first (31 days)$2,237.20
Fees + prepaids$15,551.95
Your down payment is the seller’s equity. You take over the $393,741 balance, so the rest of the $639,500 price is paid at closing. A second mortgage can cover part of it. $261,310.81 is due at closing. Uses and sources reconcile at $655,051.95 each. Not a Closing Disclosure.