Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$272,428Cash toward the purchase price.
Closing costs + prepaids$10,744Not just lender fees.
Before credits & paid funds$283,172The complete starting cash picture.
Estimated remaining funds due at closing
$283,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,428.49
Your down payment$272,428.49
Closing costs + prepaids$10,743.52
Total buyer cash needed$283,172.01
Remaining funds due$283,172.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$137.50
Prepaid interest, first (26 days)$282.02
Fees + prepaids$10,743.52
Your down payment is the seller’s equity. You take over the $137,472 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $283,172.01 is due at closing. Uses and sources reconcile at $420,643.52 each. Not a Closing Disclosure.