Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$292,126Cash toward the purchase price.
Closing costs + prepaids$10,960Not just lender fees.
Before credits & paid funds$303,087The complete starting cash picture.
Estimated remaining funds due at closing
$303,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,126.35
Your down payment$292,126.35
Closing costs + prepaids$10,960.28
Total buyer cash needed$303,086.62
Remaining funds due$303,086.62
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)$512.50
Prepaid interest, first (14 days)$123.78
Fees + prepaids$10,960.28
Your down payment is the seller’s equity. You take over the $117,774 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $303,086.62 is due at closing. Uses and sources reconcile at $420,860.28 each. Not a Closing Disclosure.