Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$286,451Cash toward the purchase price.
Closing costs + prepaids$12,391Not just lender fees.
Before credits & paid funds$298,842The complete starting cash picture.
Estimated remaining funds due at closing
$298,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,450.59
Your down payment$286,450.59
Closing costs + prepaids$12,390.94
Total buyer cash needed$298,841.53
Remaining funds due$298,841.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$1,637.75
Prepaid interest, first (23 days)$428.19
Fees + prepaids$12,390.94
Your down payment is the seller’s equity. You take over the $123,549 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $298,841.53 is due at closing. Uses and sources reconcile at $422,390.94 each. Not a Closing Disclosure.