Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$276,601Cash toward the purchase price.
Closing costs + prepaids$11,254Not just lender fees.
Before credits & paid funds$287,855The complete starting cash picture.
Estimated remaining funds due at closing
$287,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,600.95
Your down payment$276,600.95
Closing costs + prepaids$11,253.79
Total buyer cash needed$287,854.74
Remaining funds due$287,854.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$1,000.00
Prepaid interest, first (2 days)$28.80
Fees + prepaids$11,253.79
Your down payment is the seller’s equity. You take over the $123,398 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $287,854.74 is due at closing. Uses and sources reconcile at $411,252.79 each. Not a Closing Disclosure.