Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$272,171Cash toward the purchase price.
Closing costs + prepaids$11,759Not just lender fees.
Before credits & paid funds$283,930The complete starting cash picture.
Estimated remaining funds due at closing
$283,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,171.01
Your down payment$272,171.01
Closing costs + prepaids$11,758.98
Total buyer cash needed$283,929.99
Remaining funds due$283,929.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$424.25
Prepaid interest, first (27 days)$769.73
Fees + prepaids$11,758.98
Your down payment is the seller’s equity. You take over the $161,829 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $283,929.99 is due at closing. Uses and sources reconcile at $445,758.98 each. Not a Closing Disclosure.