Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$272,928Cash toward the purchase price.
Closing costs + prepaids$12,222Not just lender fees.
Before credits & paid funds$285,151The complete starting cash picture.
Estimated remaining funds due at closing
$285,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,928.48
Your down payment$272,928.48
Closing costs + prepaids$12,222.10
Total buyer cash needed$285,150.58
Remaining funds due$285,150.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$1,263.50
Prepaid interest, first (26 days)$643.60
Fees + prepaids$12,222.10
Your down payment is the seller’s equity. You take over the $136,072 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $285,150.58 is due at closing. Uses and sources reconcile at $421,222.10 each. Not a Closing Disclosure.