Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$266,007Cash toward the purchase price.
Closing costs + prepaids$10,907Not just lender fees.
Before credits & paid funds$276,914The complete starting cash picture.
Estimated remaining funds due at closing
$276,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,007.38
Your down payment$266,007.38
Closing costs + prepaids$10,906.92
Total buyer cash needed$276,914.29
Remaining funds due$276,914.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,996.75
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)$479.50
Prepaid interest, first (18 days)$205.67
Fees + prepaids$10,906.92
Your down payment is the seller’s equity. You take over the $133,668 balance, so the rest of the $399,675 price is paid at closing. A second mortgage can cover part of it. $276,914.29 is due at closing. Uses and sources reconcile at $410,581.92 each. Not a Closing Disclosure.