Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$268,077Cash toward the purchase price.
Closing costs + prepaids$10,544Not just lender fees.
Before credits & paid funds$278,621The complete starting cash picture.
Estimated remaining funds due at closing
$278,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,076.57
Your down payment$268,076.57
Closing costs + prepaids$10,544.07
Total buyer cash needed$278,620.64
Remaining funds due$278,620.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$305.75
Prepaid interest, first (1 days)$23.32
Fees + prepaids$10,544.07
Your down payment is the seller’s equity. You take over the $130,923 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $278,620.64 is due at closing. Uses and sources reconcile at $409,544.07 each. Not a Closing Disclosure.