Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$267,723Cash toward the purchase price.
Closing costs + prepaids$11,566Not just lender fees.
Before credits & paid funds$279,289The complete starting cash picture.
Estimated remaining funds due at closing
$279,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,723.15
Your down payment$267,723.15
Closing costs + prepaids$11,565.84
Total buyer cash needed$279,288.98
Remaining funds due$279,288.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,070.75
Prepaid interest, first (5 days)$71.09
Fees + prepaids$11,565.84
Your down payment is the seller’s equity. You take over the $152,177 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $279,288.98 is due at closing. Uses and sources reconcile at $431,465.84 each. Not a Closing Disclosure.