Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$243,296Cash toward the purchase price.
Closing costs + prepaids$18,546Not just lender fees.
Before credits & paid funds$261,842The complete starting cash picture.
Estimated remaining funds due at closing
$261,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,295.50
Your down payment$243,295.50
Closing costs + prepaids$18,546.44
Total buyer cash needed$261,841.94
Remaining funds due$261,841.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$1,080.00
Prepaid interest, first (12 days)$1,241.44
Fees + prepaids$18,546.44
Your down payment is the seller’s equity. You take over the $656,704 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $261,841.94 is due at closing. Uses and sources reconcile at $918,546.44 each. Not a Closing Disclosure.