Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$269,812Cash toward the purchase price.
Closing costs + prepaids$10,485Not just lender fees.
Before credits & paid funds$280,297The complete starting cash picture.
Estimated remaining funds due at closing
$280,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,811.90
Your down payment$269,811.90
Closing costs + prepaids$10,485.13
Total buyer cash needed$280,297.04
Remaining funds due$280,297.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,620.00
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)$452.50
Prepaid interest, first (17 days)$187.63
Fees + prepaids$10,485.13
Your down payment is the seller’s equity. You take over the $92,188 balance, so the rest of the $362,000 price is paid at closing. A second mortgage can cover part of it. $280,297.04 is due at closing. Uses and sources reconcile at $372,485.13 each. Not a Closing Disclosure.