Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$262,471Cash toward the purchase price.
Closing costs + prepaids$10,219Not just lender fees.
Before credits & paid funds$272,690The complete starting cash picture.
Estimated remaining funds due at closing
$272,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,470.58
Your down payment$262,470.58
Closing costs + prepaids$10,219.10
Total buyer cash needed$272,689.68
Remaining funds due$272,689.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$542.50
Prepaid interest, first (26 days)$161.60
Fees + prepaids$10,219.10
Your down payment is the seller’s equity. You take over the $66,529 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $272,689.68 is due at closing. Uses and sources reconcile at $339,219.10 each. Not a Closing Disclosure.