Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$269,609Cash toward the purchase price.
Closing costs + prepaids$10,751Not just lender fees.
Before credits & paid funds$280,360The complete starting cash picture.
Estimated remaining funds due at closing
$280,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,609.35
Your down payment$269,609.35
Closing costs + prepaids$10,750.99
Total buyer cash needed$280,360.34
Remaining funds due$280,360.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$532.00
Prepaid interest, first (25 days)$243.99
Fees + prepaids$10,750.99
Your down payment is the seller’s equity. You take over the $105,391 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $280,360.34 is due at closing. Uses and sources reconcile at $385,750.99 each. Not a Closing Disclosure.