Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$278,556Cash toward the purchase price.
Closing costs + prepaids$11,477Not just lender fees.
Before credits & paid funds$290,032The complete starting cash picture.
Estimated remaining funds due at closing
$290,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,555.52
Your down payment$278,555.52
Closing costs + prepaids$11,476.62
Total buyer cash needed$290,032.14
Remaining funds due$290,032.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,909.99
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)$1,049.00
Prepaid interest, first (23 days)$292.63
Fees + prepaids$11,476.62
Your down payment is the seller’s equity. You take over the $112,443 balance, so the rest of the $390,999 price is paid at closing. A second mortgage can cover part of it. $290,032.14 is due at closing. Uses and sources reconcile at $402,475.62 each. Not a Closing Disclosure.