Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,848Cash toward the purchase price.
Closing costs + prepaids$11,195Not just lender fees.
Before credits & paid funds$276,042The complete starting cash picture.
Estimated remaining funds due at closing
$276,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,847.56
Your down payment$264,847.56
Closing costs + prepaids$11,194.86
Total buyer cash needed$276,042.42
Remaining funds due$276,042.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$235.50
Prepaid interest, first (26 days)$334.37
Fees + prepaids$11,194.86
Your down payment is the seller’s equity. You take over the $175,151 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $276,042.42 is due at closing. Uses and sources reconcile at $451,193.86 each. Not a Closing Disclosure.