Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$263,949Cash toward the purchase price.
Closing costs + prepaids$11,997Not just lender fees.
Before credits & paid funds$275,946The complete starting cash picture.
Estimated remaining funds due at closing
$275,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,949.08
Your down payment$263,949.08
Closing costs + prepaids$11,996.53
Total buyer cash needed$275,945.61
Remaining funds due$275,945.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,439.00
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)$858.00
Prepaid interest, first (25 days)$474.53
Fees + prepaids$11,996.53
Your down payment is the seller’s equity. You take over the $179,951 balance, so the rest of the $443,900 price is paid at closing. A second mortgage can cover part of it. $275,945.61 is due at closing. Uses and sources reconcile at $455,896.53 each. Not a Closing Disclosure.