Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$274,778Cash toward the purchase price.
Closing costs + prepaids$11,750Not just lender fees.
Before credits & paid funds$286,527The complete starting cash picture.
Estimated remaining funds due at closing
$286,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,777.63
Your down payment$274,777.63
Closing costs + prepaids$11,749.73
Total buyer cash needed$286,527.37
Remaining funds due$286,527.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$712.75
Initial HOA (3 months)$87.51
Prepaid interest, first (26 days)$524.47
Fees + prepaids$11,749.73
Your down payment is the seller’s equity. You take over the $145,222 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $286,527.37 is due at closing. Uses and sources reconcile at $431,749.73 each. Not a Closing Disclosure.