Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$268,427Cash toward the purchase price.
Closing costs + prepaids$11,314Not just lender fees.
Before credits & paid funds$279,741The complete starting cash picture.
Estimated remaining funds due at closing
$279,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,426.72
Your down payment$268,426.72
Closing costs + prepaids$11,314.47
Total buyer cash needed$279,741.19
Remaining funds due$279,741.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$759.75
Prepaid interest, first (30 days)$379.72
Fees + prepaids$11,314.47
Your down payment is the seller’s equity. You take over the $126,573 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $279,741.19 is due at closing. Uses and sources reconcile at $406,314.47 each. Not a Closing Disclosure.