Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$267,740Cash toward the purchase price.
Closing costs + prepaids$14,577Not just lender fees.
Before credits & paid funds$282,317The complete starting cash picture.
Estimated remaining funds due at closing
$282,317No 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$14,577.14
Total buyer cash needed$282,316.97
Remaining funds due$282,316.97
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 (10 days)$689.64
Fees + prepaids$14,577.14
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. $282,316.97 is due at closing. Uses and sources reconcile at $669,577.14 each. Not a Closing Disclosure.