Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$275,985Cash toward the purchase price.
Closing costs + prepaids$10,805Not just lender fees.
Before credits & paid funds$286,790The complete starting cash picture.
Estimated remaining funds due at closing
$286,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,985.27
Your down payment$275,985.27
Closing costs + prepaids$10,804.89
Total buyer cash needed$286,790.16
Remaining funds due$286,790.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$314.25
Prepaid interest, first (22 days)$266.64
Fees + prepaids$10,804.89
Your down payment is the seller’s equity. You take over the $123,915 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $286,790.16 is due at closing. Uses and sources reconcile at $410,704.89 each. Not a Closing Disclosure.