Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$273,052Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$284,334The complete starting cash picture.
Estimated remaining funds due at closing
$284,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,052.06
Your down payment$273,052.06
Closing costs + prepaids$11,282.32
Total buyer cash needed$284,334.38
Remaining funds due$284,334.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$356.50
Prepaid interest, first (31 days)$700.82
Fees + prepaids$11,282.32
Your down payment is the seller’s equity. You take over the $126,948 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $284,334.38 is due at closing. Uses and sources reconcile at $411,282.32 each. Not a Closing Disclosure.