Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$280,245Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$291,545The complete starting cash picture.
Estimated remaining funds due at closing
$291,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,244.99
Your down payment$280,244.99
Closing costs + prepaids$11,299.65
Total buyer cash needed$291,544.64
Remaining funds due$291,544.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,430.00
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)$238.25
Prepaid interest, first (31 days)$406.40
Fees + prepaids$11,299.65
Your down payment is the seller’s equity. You take over the $162,755 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $291,544.64 is due at closing. Uses and sources reconcile at $454,299.65 each. Not a Closing Disclosure.