Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$271,625Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$282,078The complete starting cash picture.
Estimated remaining funds due at closing
$282,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,624.84
Your down payment$271,624.84
Closing costs + prepaids$10,452.70
Total buyer cash needed$282,077.54
Remaining funds due$282,077.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$384.50
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$269.19
Fees + prepaids$10,452.70
Your down payment is the seller’s equity. You take over the $73,275 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $282,077.54 is due at closing. Uses and sources reconcile at $355,352.70 each. Not a Closing Disclosure.