Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$272,423Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$282,819The complete starting cash picture.
Estimated remaining funds due at closing
$282,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,423.19
Your down payment$272,423.19
Closing costs + prepaids$10,395.85
Total buyer cash needed$282,819.04
Remaining funds due$282,819.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$451.75
Prepaid interest, first (28 days)$229.10
Fees + prepaids$10,395.85
Your down payment is the seller’s equity. You take over the $76,577 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $282,819.04 is due at closing. Uses and sources reconcile at $359,395.85 each. Not a Closing Disclosure.