Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$259,233Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$270,398The complete starting cash picture.
Estimated remaining funds due at closing
$270,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,232.71
Your down payment$259,232.71
Closing costs + prepaids$11,164.81
Total buyer cash needed$270,397.51
Remaining funds due$270,397.51
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)$340.75
Prepaid interest, first (30 days)$399.06
Fees + prepaids$11,164.81
Your down payment is the seller’s equity. You take over the $160,767 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $270,397.51 is due at closing. Uses and sources reconcile at $431,164.81 each. Not a Closing Disclosure.