Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$262,928Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$273,919The complete starting cash picture.
Estimated remaining funds due at closing
$273,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,928.48
Your down payment$262,928.48
Closing costs + prepaids$10,990.80
Total buyer cash needed$273,919.28
Remaining funds due$273,919.28
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)$478.75
Prepaid interest, first (12 days)$297.05
Fees + prepaids$10,990.80
Your down payment is the seller’s equity. You take over the $136,072 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $273,919.28 is due at closing. Uses and sources reconcile at $409,990.80 each. Not a Closing Disclosure.