Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$278,238Cash toward the purchase price.
Closing costs + prepaids$9,904Not just lender fees.
Before credits & paid funds$288,142The complete starting cash picture.
Estimated remaining funds due at closing
$288,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,237.85
Your down payment$278,237.85
Closing costs + prepaids$9,904.35
Total buyer cash needed$288,142.20
Remaining funds due$288,142.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,295.00
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)$245.00
Prepaid interest, first (22 days)$139.35
Fees + prepaids$9,904.35
Your down payment is the seller’s equity. You take over the $51,262 balance, so the rest of the $329,500 price is paid at closing. A second mortgage can cover part of it. $288,142.20 is due at closing. Uses and sources reconcile at $339,404.35 each. Not a Closing Disclosure.