Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$277,953Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$288,518The complete starting cash picture.
Estimated remaining funds due at closing
$288,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,953.02
Your down payment$277,953.02
Closing costs + prepaids$10,565.25
Total buyer cash needed$288,518.26
Remaining funds due$288,518.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.90
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)$227.00
Prepaid interest, first (1 days)$13.35
Fees + prepaids$10,565.25
Your down payment is the seller’s equity. You take over the $132,037 balance, so the rest of the $409,990 price is paid at closing. A second mortgage can cover part of it. $288,518.26 is due at closing. Uses and sources reconcile at $420,555.25 each. Not a Closing Disclosure.