Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$270,714Cash toward the purchase price.
Closing costs + prepaids$11,958Not just lender fees.
Before credits & paid funds$282,672The complete starting cash picture.
Estimated remaining funds due at closing
$282,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,714.34
Your down payment$270,714.34
Closing costs + prepaids$11,958.12
Total buyer cash needed$282,672.46
Remaining funds due$282,672.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$1,015.75
Prepaid interest, first (27 days)$427.37
Fees + prepaids$11,958.12
Your down payment is the seller’s equity. You take over the $158,286 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $282,672.46 is due at closing. Uses and sources reconcile at $440,958.12 each. Not a Closing Disclosure.