Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$292,917Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$304,017The complete starting cash picture.
Estimated remaining funds due at closing
$304,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,916.74
Your down payment$292,916.74
Closing costs + prepaids$11,099.92
Total buyer cash needed$304,016.66
Remaining funds due$304,016.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$513.50
Prepaid interest, first (10 days)$81.42
Fees + prepaids$11,099.92
Your down payment is the seller’s equity. You take over the $135,083 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $304,016.66 is due at closing. Uses and sources reconcile at $439,099.92 each. Not a Closing Disclosure.