Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$261,947Cash toward the purchase price.
Closing costs + prepaids$11,094Not just lender fees.
Before credits & paid funds$273,041The complete starting cash picture.
Estimated remaining funds due at closing
$273,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,947.05
Your down payment$261,947.05
Closing costs + prepaids$11,093.74
Total buyer cash needed$273,040.79
Remaining funds due$273,040.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.00
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)$428.00
Prepaid interest, first (30 days)$491.74
Fees + prepaids$11,093.74
Your down payment is the seller’s equity. You take over the $132,953 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $273,040.79 is due at closing. Uses and sources reconcile at $405,993.74 each. Not a Closing Disclosure.