Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$241,740Cash toward the purchase price.
Closing costs + prepaids$11,981Not just lender fees.
Before credits & paid funds$253,721The complete starting cash picture.
Estimated remaining funds due at closing
$253,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,740.20
Your down payment$241,740.20
Closing costs + prepaids$11,981.12
Total buyer cash needed$253,721.33
Remaining funds due$253,721.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,084.00
Prepaid interest, first (27 days)$473.12
Fees + prepaids$11,981.12
Your down payment is the seller’s equity. You take over the $178,160 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $253,721.33 is due at closing. Uses and sources reconcile at $431,881.12 each. Not a Closing Disclosure.