Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$271,536Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$283,287The complete starting cash picture.
Estimated remaining funds due at closing
$283,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,535.84
Your down payment$271,535.84
Closing costs + prepaids$11,751.64
Total buyer cash needed$283,287.47
Remaining funds due$283,287.47
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)$932.25
Prepaid interest, first (24 days)$394.39
Fees + prepaids$11,751.64
Your down payment is the seller’s equity. You take over the $148,464 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $283,287.47 is due at closing. Uses and sources reconcile at $431,751.64 each. Not a Closing Disclosure.