Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$260,707Cash toward the purchase price.
Closing costs + prepaids$10,550Not just lender fees.
Before credits & paid funds$271,257The complete starting cash picture.
Estimated remaining funds due at closing
$271,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,707.09
Your down payment$260,707.09
Closing costs + prepaids$10,550.07
Total buyer cash needed$271,257.16
Remaining funds due$271,257.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$824.75
Prepaid interest, first (18 days)$201.32
Fees + prepaids$10,550.07
Your down payment is the seller’s equity. You take over the $69,193 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $271,257.16 is due at closing. Uses and sources reconcile at $340,450.07 each. Not a Closing Disclosure.