Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$269,612Cash toward the purchase price.
Closing costs + prepaids$11,072Not just lender fees.
Before credits & paid funds$280,684The complete starting cash picture.
Estimated remaining funds due at closing
$280,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,612.44
Your down payment$269,612.44
Closing costs + prepaids$11,072.05
Total buyer cash needed$280,684.48
Remaining funds due$280,684.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$644.75
Prepaid interest, first (28 days)$352.30
Fees + prepaids$11,072.05
Your down payment is the seller’s equity. You take over the $115,388 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $280,684.48 is due at closing. Uses and sources reconcile at $396,072.05 each. Not a Closing Disclosure.