Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$276,379Cash toward the purchase price.
Closing costs + prepaids$11,664Not just lender fees.
Before credits & paid funds$288,043The complete starting cash picture.
Estimated remaining funds due at closing
$288,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,378.96
Your down payment$276,378.96
Closing costs + prepaids$11,664.34
Total buyer cash needed$288,043.30
Remaining funds due$288,043.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$935.50
Prepaid interest, first (22 days)$354.84
Fees + prepaids$11,664.34
Your down payment is the seller’s equity. You take over the $138,521 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $288,043.30 is due at closing. Uses and sources reconcile at $426,564.34 each. Not a Closing Disclosure.