Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$280,764Cash toward the purchase price.
Closing costs + prepaids$11,040Not just lender fees.
Before credits & paid funds$291,804The complete starting cash picture.
Estimated remaining funds due at closing
$291,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,763.75
Your down payment$280,763.75
Closing costs + prepaids$11,040.20
Total buyer cash needed$291,803.95
Remaining funds due$291,803.95
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 (19 days)$292.45
Fees + prepaids$11,040.20
Your down payment is the seller’s equity. You take over the $148,236 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $291,803.95 is due at closing. Uses and sources reconcile at $440,040.20 each. Not a Closing Disclosure.