Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$272,613Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$284,136The complete starting cash picture.
Estimated remaining funds due at closing
$284,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,612.73
Your down payment$272,612.73
Closing costs + prepaids$11,522.78
Total buyer cash needed$284,135.50
Remaining funds due$284,135.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$457.00
Prepaid interest, first (27 days)$441.78
Fees + prepaids$11,522.78
Your down payment is the seller’s equity. You take over the $167,287 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $284,135.50 is due at closing. Uses and sources reconcile at $451,422.78 each. Not a Closing Disclosure.