Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$273,854Cash toward the purchase price.
Closing costs + prepaids$10,520Not just lender fees.
Before credits & paid funds$284,374The complete starting cash picture.
Estimated remaining funds due at closing
$284,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,853.78
Your down payment$273,853.78
Closing costs + prepaids$10,519.90
Total buyer cash needed$284,373.68
Remaining funds due$284,373.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,530.00
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)$563.50
Prepaid interest, first (24 days)$201.40
Fees + prepaids$10,519.90
Your down payment is the seller’s equity. You take over the $79,146 balance, so the rest of the $353,000 price is paid at closing. A second mortgage can cover part of it. $284,373.68 is due at closing. Uses and sources reconcile at $363,519.90 each. Not a Closing Disclosure.