Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$276,188Cash toward the purchase price.
Closing costs + prepaids$11,599Not just lender fees.
Before credits & paid funds$287,787The complete starting cash picture.
Estimated remaining funds due at closing
$287,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,188.41
Your down payment$276,188.41
Closing costs + prepaids$11,598.94
Total buyer cash needed$287,787.35
Remaining funds due$287,787.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$756.50
Prepaid interest, first (27 days)$437.44
Fees + prepaids$11,598.94
Your down payment is the seller’s equity. You take over the $141,812 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $287,787.35 is due at closing. Uses and sources reconcile at $429,598.94 each. Not a Closing Disclosure.