Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$242,471Cash toward the purchase price.
Closing costs + prepaids$11,929Not just lender fees.
Before credits & paid funds$254,400The complete starting cash picture.
Estimated remaining funds due at closing
$254,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,470.87
Your down payment$242,470.87
Closing costs + prepaids$11,929.17
Total buyer cash needed$254,400.04
Remaining funds due$254,400.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$1,436.25
Prepaid interest, first (26 days)$468.92
Fees + prepaids$11,929.17
Your down payment is the seller’s equity. You take over the $137,429 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $254,400.04 is due at closing. Uses and sources reconcile at $391,829.17 each. Not a Closing Disclosure.