Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$251,458Cash toward the purchase price.
Closing costs + prepaids$11,775Not just lender fees.
Before credits & paid funds$263,233The complete starting cash picture.
Estimated remaining funds due at closing
$263,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,457.86
Your down payment$251,457.86
Closing costs + prepaids$11,775.27
Total buyer cash needed$263,233.13
Remaining funds due$263,233.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,109.25
Prepaid interest, first (5 days)$91.02
Fees + prepaids$11,775.27
Your down payment is the seller’s equity. You take over the $183,542 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $263,233.13 is due at closing. Uses and sources reconcile at $446,775.27 each. Not a Closing Disclosure.