Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$272,452Cash toward the purchase price.
Closing costs + prepaids$11,262Not just lender fees.
Before credits & paid funds$283,715The complete starting cash picture.
Estimated remaining funds due at closing
$283,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,452.49
Your down payment$272,452.49
Closing costs + prepaids$11,262.03
Total buyer cash needed$283,714.52
Remaining funds due$283,714.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$525.50
Prepaid interest, first (10 days)$131.53
Fees + prepaids$11,262.03
Your down payment is the seller’s equity. You take over the $165,548 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $283,714.52 is due at closing. Uses and sources reconcile at $449,262.03 each. Not a Closing Disclosure.