Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$272,544Cash toward the purchase price.
Closing costs + prepaids$10,773Not just lender fees.
Before credits & paid funds$283,317The complete starting cash picture.
Estimated remaining funds due at closing
$283,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,543.70
Your down payment$272,543.70
Closing costs + prepaids$10,773.40
Total buyer cash needed$283,317.10
Remaining funds due$283,317.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$474.00
Prepaid interest, first (9 days)$124.40
Fees + prepaids$10,773.40
Your down payment is the seller’s equity. You take over the $122,456 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $283,317.10 is due at closing. Uses and sources reconcile at $405,773.40 each. Not a Closing Disclosure.