Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$272,423Cash toward the purchase price.
Closing costs + prepaids$10,232Not just lender fees.
Before credits & paid funds$282,655The complete starting cash picture.
Estimated remaining funds due at closing
$282,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,423.19
Your down payment$272,423.19
Closing costs + prepaids$10,231.94
Total buyer cash needed$282,655.13
Remaining funds due$282,655.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$418.75
Prepaid interest, first (12 days)$98.19
Fees + prepaids$10,231.94
Your down payment is the seller’s equity. You take over the $76,577 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $282,655.13 is due at closing. Uses and sources reconcile at $359,231.94 each. Not a Closing Disclosure.