Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$276,357Cash toward the purchase price.
Closing costs + prepaids$10,953Not just lender fees.
Before credits & paid funds$287,310The complete starting cash picture.
Estimated remaining funds due at closing
$287,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,356.95
Your down payment$276,356.95
Closing costs + prepaids$10,953.11
Total buyer cash needed$287,310.06
Remaining funds due$287,310.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$887.50
Prepaid interest, first (24 days)$290.61
Fees + prepaids$10,953.11
Your down payment is the seller’s equity. You take over the $78,643 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $287,310.06 is due at closing. Uses and sources reconcile at $365,953.11 each. Not a Closing Disclosure.