Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$285,261Cash toward the purchase price.
Closing costs + prepaids$11,479Not just lender fees.
Before credits & paid funds$296,740The complete starting cash picture.
Estimated remaining funds due at closing
$296,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,260.78
Your down payment$285,260.78
Closing costs + prepaids$11,479.38
Total buyer cash needed$296,740.16
Remaining funds due$296,740.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$935.00
Prepaid interest, first (28 days)$319.48
Fees + prepaids$11,479.38
Your down payment is the seller’s equity. You take over the $114,729 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $296,740.16 is due at closing. Uses and sources reconcile at $411,469.38 each. Not a Closing Disclosure.