Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$250,615Cash toward the purchase price.
Closing costs + prepaids$11,011Not just lender fees.
Before credits & paid funds$261,626The complete starting cash picture.
Estimated remaining funds due at closing
$261,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,615.36
Your down payment$250,615.36
Closing costs + prepaids$11,011.04
Total buyer cash needed$261,626.41
Remaining funds due$261,626.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,110.00
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)$493.25
Prepaid interest, first (10 days)$182.79
Fees + prepaids$11,011.04
Your down payment is the seller’s equity. You take over the $160,385 balance, so the rest of the $411,000 price is paid at closing. A second mortgage can cover part of it. $261,626.41 is due at closing. Uses and sources reconcile at $422,011.04 each. Not a Closing Disclosure.