Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$261,427Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$272,425The complete starting cash picture.
Estimated remaining funds due at closing
$272,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,427.40
Your down payment$261,427.40
Closing costs + prepaids$10,997.67
Total buyer cash needed$272,425.06
Remaining funds due$272,425.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$261.75
Prepaid interest, first (1 days)$20.92
Fees + prepaids$10,997.67
Your down payment is the seller’s equity. You take over the $187,573 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $272,425.06 is due at closing. Uses and sources reconcile at $459,997.67 each. Not a Closing Disclosure.