Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$276,381Cash toward the purchase price.
Closing costs + prepaids$9,198Not just lender fees.
Before credits & paid funds$285,579The complete starting cash picture.
Estimated remaining funds due at closing
$285,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,381.11
Your down payment$276,381.11
Closing costs + prepaids$9,198.35
Total buyer cash needed$285,579.46
Remaining funds due$285,579.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,847.00
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)$91.25
Prepaid interest, first (22 days)$35.10
Fees + prepaids$9,198.35
Your down payment is the seller’s equity. You take over the $8,319 balance, so the rest of the $284,700 price is paid at closing. A second mortgage can cover part of it. $285,579.46 is due at closing. Uses and sources reconcile at $293,898.35 each. Not a Closing Disclosure.