Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$274,770Cash toward the purchase price.
Closing costs + prepaids$10,235Not just lender fees.
Before credits & paid funds$285,005The complete starting cash picture.
Estimated remaining funds due at closing
$285,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,769.78
Your down payment$274,769.78
Closing costs + prepaids$10,234.93
Total buyer cash needed$285,004.71
Remaining funds due$285,004.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$225.50
Prepaid interest, first (23 days)$284.43
Fees + prepaids$10,234.93
Your down payment is the seller’s equity. You take over the $75,230 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $285,004.71 is due at closing. Uses and sources reconcile at $360,234.93 each. Not a Closing Disclosure.