Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,231Cash toward the purchase price.
Closing costs + prepaids$12,047Not just lender fees.
Before credits & paid funds$158,278The complete starting cash picture.
Estimated remaining funds due at closing
$158,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,230.57
Your down payment$146,230.57
Closing costs + prepaids$12,047.08
Total buyer cash needed$158,277.65
Remaining funds due$158,277.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$1,111.00
Prepaid interest, first (28 days)$611.08
Fees + prepaids$12,047.08
Your down payment is the seller’s equity. You take over the $263,769 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $158,277.65 is due at closing. Uses and sources reconcile at $422,047.08 each. Not a Closing Disclosure.