Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$276,339Cash toward the purchase price.
Closing costs + prepaids$11,471Not just lender fees.
Before credits & paid funds$287,810The complete starting cash picture.
Estimated remaining funds due at closing
$287,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,338.74
Your down payment$276,338.74
Closing costs + prepaids$11,471.08
Total buyer cash needed$287,809.82
Remaining funds due$287,809.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$999.75
Prepaid interest, first (26 days)$247.33
Fees + prepaids$11,471.08
Your down payment is the seller’s equity. You take over the $123,561 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $287,809.82 is due at closing. Uses and sources reconcile at $411,371.08 each. Not a Closing Disclosure.