Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$273,818Cash toward the purchase price.
Closing costs + prepaids$10,063Not just lender fees.
Before credits & paid funds$283,881The complete starting cash picture.
Estimated remaining funds due at closing
$283,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,818.27
Your down payment$273,818.27
Closing costs + prepaids$10,062.75
Total buyer cash needed$283,881.03
Remaining funds due$283,881.03
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)$174.00
Prepaid interest, first (19 days)$164.75
Fees + prepaids$10,062.75
Your down payment is the seller’s equity. You take over the $76,082 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $283,881.03 is due at closing. Uses and sources reconcile at $359,962.75 each. Not a Closing Disclosure.