Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,389Cash toward the purchase price.
Closing costs + prepaids$10,831Not just lender fees.
Before credits & paid funds$274,220The complete starting cash picture.
Estimated remaining funds due at closing
$274,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,389.08
Your down payment$263,389.08
Closing costs + prepaids$10,831.17
Total buyer cash needed$274,220.25
Remaining funds due$274,220.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$329.75
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$13.42
Fees + prepaids$10,831.17
Your down payment is the seller’s equity. You take over the $141,611 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $274,220.25 is due at closing. Uses and sources reconcile at $415,831.17 each. Not a Closing Disclosure.