Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$281,294Cash toward the purchase price.
Closing costs + prepaids$10,335Not just lender fees.
Before credits & paid funds$291,629The complete starting cash picture.
Estimated remaining funds due at closing
$291,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,293.79
Your down payment$281,293.79
Closing costs + prepaids$10,335.02
Total buyer cash needed$291,628.82
Remaining funds due$291,628.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,295.00
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)$629.25
Prepaid interest, first (26 days)$185.77
Fees + prepaids$10,335.02
Your down payment is the seller’s equity. You take over the $48,206 balance, so the rest of the $329,500 price is paid at closing. A second mortgage can cover part of it. $291,628.82 is due at closing. Uses and sources reconcile at $339,835.02 each. Not a Closing Disclosure.