Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$274,250Cash toward the purchase price.
Closing costs + prepaids$10,834Not just lender fees.
Before credits & paid funds$285,084The complete starting cash picture.
Estimated remaining funds due at closing
$285,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,249.71
Your down payment$274,249.71
Closing costs + prepaids$10,834.49
Total buyer cash needed$285,084.20
Remaining funds due$285,084.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$887.50
Prepaid interest, first (23 days)$171.99
Fees + prepaids$10,834.49
Your down payment is the seller’s equity. You take over the $80,750 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $285,084.20 is due at closing. Uses and sources reconcile at $365,834.49 each. Not a Closing Disclosure.