Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$270,909Cash toward the purchase price.
Closing costs + prepaids$10,911Not just lender fees.
Before credits & paid funds$281,821The complete starting cash picture.
Estimated remaining funds due at closing
$281,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,909.34
Your down payment$270,909.34
Closing costs + prepaids$10,911.18
Total buyer cash needed$281,820.53
Remaining funds due$281,820.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$398.75
Prepaid interest, first (23 days)$237.43
Fees + prepaids$10,911.18
Your down payment is the seller’s equity. You take over the $134,091 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $281,820.53 is due at closing. Uses and sources reconcile at $415,911.18 each. Not a Closing Disclosure.