Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$252,886Cash toward the purchase price.
Closing costs + prepaids$10,572Not just lender fees.
Before credits & paid funds$263,457The complete starting cash picture.
Estimated remaining funds due at closing
$263,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,885.54
Your down payment$252,885.54
Closing costs + prepaids$10,571.71
Total buyer cash needed$263,457.25
Remaining funds due$263,457.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$331.25
Prepaid interest, first (2 days)$25.46
Fees + prepaids$10,571.71
Your down payment is the seller’s equity. You take over the $146,114 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $263,457.25 is due at closing. Uses and sources reconcile at $409,571.71 each. Not a Closing Disclosure.