Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$255,527Cash toward the purchase price.
Closing costs + prepaids$12,491Not just lender fees.
Before credits & paid funds$268,018The complete starting cash picture.
Estimated remaining funds due at closing
$268,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,526.79
Your down payment$255,526.79
Closing costs + prepaids$12,491.10
Total buyer cash needed$268,017.89
Remaining funds due$268,017.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.90
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)$1,303.00
Prepaid interest, first (25 days)$663.20
Fees + prepaids$12,491.10
Your down payment is the seller’s equity. You take over the $174,463 balance, so the rest of the $429,990 price is paid at closing. A second mortgage can cover part of it. $268,017.89 is due at closing. Uses and sources reconcile at $442,481.10 each. Not a Closing Disclosure.