Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$267,750Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$278,565The complete starting cash picture.
Estimated remaining funds due at closing
$278,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,749.75
Your down payment$267,749.75
Closing costs + prepaids$10,815.38
Total buyer cash needed$278,565.13
Remaining funds due$278,565.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$875.00
Prepaid interest, first (27 days)$215.38
Fees + prepaids$10,815.38
Your down payment is the seller’s equity. You take over the $82,250 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $278,565.13 is due at closing. Uses and sources reconcile at $360,815.38 each. Not a Closing Disclosure.