Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$280,334Cash toward the purchase price.
Closing costs + prepaids$10,779Not just lender fees.
Before credits & paid funds$291,112The complete starting cash picture.
Estimated remaining funds due at closing
$291,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,333.58
Your down payment$280,333.58
Closing costs + prepaids$10,778.62
Total buyer cash needed$291,112.20
Remaining funds due$291,112.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$232.75
Prepaid interest, first (2 days)$30.87
Fees + prepaids$10,778.62
Your down payment is the seller’s equity. You take over the $148,666 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $291,112.20 is due at closing. Uses and sources reconcile at $439,778.62 each. Not a Closing Disclosure.