Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$246,137Cash toward the purchase price.
Closing costs + prepaids$11,148Not just lender fees.
Before credits & paid funds$257,286The complete starting cash picture.
Estimated remaining funds due at closing
$257,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,137.39
Your down payment$246,137.39
Closing costs + prepaids$11,148.19
Total buyer cash needed$257,285.58
Remaining funds due$257,285.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$922.50
Prepaid interest, first (26 days)$310.69
Fees + prepaids$11,148.19
Your down payment is the seller’s equity. You take over the $122,863 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $257,285.58 is due at closing. Uses and sources reconcile at $380,148.19 each. Not a Closing Disclosure.