Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$276,555Cash toward the purchase price.
Closing costs + prepaids$10,477Not just lender fees.
Before credits & paid funds$287,032The complete starting cash picture.
Estimated remaining funds due at closing
$287,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,554.89
Your down payment$276,554.89
Closing costs + prepaids$10,477.38
Total buyer cash needed$287,032.27
Remaining funds due$287,032.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$500.75
Prepaid interest, first (28 days)$252.63
Fees + prepaids$10,477.38
Your down payment is the seller’s equity. You take over the $73,345 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $287,032.27 is due at closing. Uses and sources reconcile at $360,377.38 each. Not a Closing Disclosure.