Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$259,928Cash toward the purchase price.
Closing costs + prepaids$11,077Not just lender fees.
Before credits & paid funds$271,005The complete starting cash picture.
Estimated remaining funds due at closing
$271,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,928.28
Your down payment$259,928.28
Closing costs + prepaids$11,076.88
Total buyer cash needed$271,005.16
Remaining funds due$271,005.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$504.00
Prepaid interest, first (12 days)$147.88
Fees + prepaids$11,076.88
Your down payment is the seller’s equity. You take over the $160,072 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $271,005.16 is due at closing. Uses and sources reconcile at $431,076.88 each. Not a Closing Disclosure.