Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$269,555Cash toward the purchase price.
Closing costs + prepaids$10,236Not just lender fees.
Before credits & paid funds$279,791The complete starting cash picture.
Estimated remaining funds due at closing
$279,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,554.89
Your down payment$269,554.89
Closing costs + prepaids$10,236.13
Total buyer cash needed$279,791.03
Remaining funds due$279,791.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,429.00
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)$428.75
Prepaid interest, first (17 days)$153.38
Fees + prepaids$10,236.13
Your down payment is the seller’s equity. You take over the $73,345 balance, so the rest of the $342,900 price is paid at closing. A second mortgage can cover part of it. $279,791.03 is due at closing. Uses and sources reconcile at $353,136.13 each. Not a Closing Disclosure.