Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$252,686Cash toward the purchase price.
Closing costs + prepaids$11,815Not just lender fees.
Before credits & paid funds$264,502The complete starting cash picture.
Estimated remaining funds due at closing
$264,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,686.26
Your down payment$252,686.26
Closing costs + prepaids$11,815.49
Total buyer cash needed$264,501.75
Remaining funds due$264,501.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$933.00
Prepaid interest, first (24 days)$458.49
Fees + prepaids$11,815.49
Your down payment is the seller’s equity. You take over the $167,214 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $264,501.75 is due at closing. Uses and sources reconcile at $431,715.49 each. Not a Closing Disclosure.