Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$278,337Cash toward the purchase price.
Closing costs + prepaids$10,898Not just lender fees.
Before credits & paid funds$289,235The complete starting cash picture.
Estimated remaining funds due at closing
$289,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,336.94
Your down payment$278,336.94
Closing costs + prepaids$10,897.95
Total buyer cash needed$289,234.88
Remaining funds due$289,234.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.00
Prepaid interest, first (26 days)$346.05
Fees + prepaids$10,897.95
Your down payment is the seller’s equity. You take over the $131,653 balance, so the rest of the $409,990 price is paid at closing. A second mortgage can cover part of it. $289,234.88 is due at closing. Uses and sources reconcile at $420,887.95 each. Not a Closing Disclosure.