Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$243,698Cash toward the purchase price.
Closing costs + prepaids$11,113Not just lender fees.
Before credits & paid funds$254,811The complete starting cash picture.
Estimated remaining funds due at closing
$254,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,697.95
Your down payment$243,697.95
Closing costs + prepaids$11,113.46
Total buyer cash needed$254,811.41
Remaining funds due$254,811.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,130.00
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)$361.50
Prepaid interest, first (22 days)$396.96
Fees + prepaids$11,113.46
Your down payment is the seller’s equity. You take over the $169,302 balance, so the rest of the $413,000 price is paid at closing. A second mortgage can cover part of it. $254,811.41 is due at closing. Uses and sources reconcile at $424,113.46 each. Not a Closing Disclosure.