Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$254,359Cash toward the purchase price.
Closing costs + prepaids$11,619Not just lender fees.
Before credits & paid funds$265,978The complete starting cash picture.
Estimated remaining funds due at closing
$265,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,358.98
Your down payment$254,358.98
Closing costs + prepaids$11,619.44
Total buyer cash needed$265,978.43
Remaining funds due$265,978.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.90
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)$641.25
Initial HOA (3 months)$84.99
Prepaid interest, first (24 days)$468.30
Fees + prepaids$11,619.44
Your down payment is the seller’s equity. You take over the $165,631 balance, so the rest of the $419,990 price is paid at closing. A second mortgage can cover part of it. $265,978.43 is due at closing. Uses and sources reconcile at $431,609.44 each. Not a Closing Disclosure.