Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$261,846Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$273,240The complete starting cash picture.
Estimated remaining funds due at closing
$273,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,845.87
Your down payment$261,845.87
Closing costs + prepaids$11,394.13
Total buyer cash needed$273,240.00
Remaining funds due$273,240.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$261.75
Prepaid interest, first (20 days)$417.38
Fees + prepaids$11,394.13
Your down payment is the seller’s equity. You take over the $187,154 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $273,240.00 is due at closing. Uses and sources reconcile at $460,394.13 each. Not a Closing Disclosure.