Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$276,829Cash toward the purchase price.
Closing costs + prepaids$10,324Not just lender fees.
Before credits & paid funds$287,152The complete starting cash picture.
Estimated remaining funds due at closing
$287,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,828.61
Your down payment$276,828.61
Closing costs + prepaids$10,323.88
Total buyer cash needed$287,152.49
Remaining funds due$287,152.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,460.00
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)$348.25
Prepaid interest, first (27 days)$290.63
Fees + prepaids$10,323.88
Your down payment is the seller’s equity. You take over the $69,171 balance, so the rest of the $346,000 price is paid at closing. A second mortgage can cover part of it. $287,152.49 is due at closing. Uses and sources reconcile at $356,323.88 each. Not a Closing Disclosure.