Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$261,966Cash toward the purchase price.
Closing costs + prepaids$11,690Not just lender fees.
Before credits & paid funds$273,656The complete starting cash picture.
Estimated remaining funds due at closing
$273,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,965.59
Your down payment$261,965.59
Closing costs + prepaids$11,689.92
Total buyer cash needed$273,655.50
Remaining funds due$273,655.50
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)$767.00
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$362.92
Fees + prepaids$11,689.92
Your down payment is the seller’s equity. You take over the $158,034 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $273,655.50 is due at closing. Uses and sources reconcile at $431,689.92 each. Not a Closing Disclosure.