Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$283,036Cash toward the purchase price.
Closing costs + prepaids$11,074Not just lender fees.
Before credits & paid funds$294,110The complete starting cash picture.
Estimated remaining funds due at closing
$294,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,036.08
Your down payment$283,036.08
Closing costs + prepaids$11,073.91
Total buyer cash needed$294,109.99
Remaining funds due$294,109.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$147.50
Prepaid interest, first (30 days)$452.41
Fees + prepaids$11,073.91
Your down payment is the seller’s equity. You take over the $141,864 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $294,109.99 is due at closing. Uses and sources reconcile at $435,973.91 each. Not a Closing Disclosure.