Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$281,294Cash toward the purchase price.
Closing costs + prepaids$10,001Not just lender fees.
Before credits & paid funds$291,295The complete starting cash picture.
Estimated remaining funds due at closing
$291,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,293.79
Your down payment$281,293.79
Closing costs + prepaids$10,001.24
Total buyer cash needed$291,295.03
Remaining funds due$291,295.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,295.00
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)$395.50
Prepaid interest, first (12 days)$85.74
Fees + prepaids$10,001.24
Your down payment is the seller’s equity. You take over the $48,206 balance, so the rest of the $329,500 price is paid at closing. A second mortgage can cover part of it. $291,295.03 is due at closing. Uses and sources reconcile at $339,501.24 each. Not a Closing Disclosure.