Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$278,875Cash toward the purchase price.
Closing costs + prepaids$10,818Not just lender fees.
Before credits & paid funds$289,693The complete starting cash picture.
Estimated remaining funds due at closing
$289,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,875.04
Your down payment$278,875.04
Closing costs + prepaids$10,817.73
Total buyer cash needed$289,692.77
Remaining funds due$289,692.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$480.00
Prepaid interest, first (10 days)$113.73
Fees + prepaids$10,817.73
Your down payment is the seller’s equity. You take over the $121,025 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $289,692.77 is due at closing. Uses and sources reconcile at $410,717.73 each. Not a Closing Disclosure.