Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$257,584Cash toward the purchase price.
Closing costs + prepaids$12,459Not just lender fees.
Before credits & paid funds$270,043The complete starting cash picture.
Estimated remaining funds due at closing
$270,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,584.16
Your down payment$257,584.16
Closing costs + prepaids$12,458.95
Total buyer cash needed$270,043.12
Remaining funds due$270,043.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,540.00
Prepaid interest, first (30 days)$494.95
Fees + prepaids$12,458.95
Your down payment is the seller’s equity. You take over the $162,316 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $270,043.12 is due at closing. Uses and sources reconcile at $432,358.95 each. Not a Closing Disclosure.