Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$250,818Cash toward the purchase price.
Closing costs + prepaids$11,273Not just lender fees.
Before credits & paid funds$262,090The complete starting cash picture.
Estimated remaining funds due at closing
$262,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,817.69
Your down payment$250,817.69
Closing costs + prepaids$11,272.68
Total buyer cash needed$262,090.37
Remaining funds due$262,090.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$568.25
Prepaid interest, first (26 days)$429.43
Fees + prepaids$11,272.68
Your down payment is the seller’s equity. You take over the $154,182 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $262,090.37 is due at closing. Uses and sources reconcile at $416,272.68 each. Not a Closing Disclosure.