Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$263,938Cash toward the purchase price.
Closing costs + prepaids$11,945Not just lender fees.
Before credits & paid funds$275,884The complete starting cash picture.
Estimated remaining funds due at closing
$275,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,938.20
Your down payment$263,938.20
Closing costs + prepaids$11,945.39
Total buyer cash needed$275,883.60
Remaining funds due$275,883.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$985.25
Prepaid interest, first (28 days)$535.14
Fees + prepaids$11,945.39
Your down payment is the seller’s equity. You take over the $156,062 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $275,883.60 is due at closing. Uses and sources reconcile at $431,945.39 each. Not a Closing Disclosure.