Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$263,624Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$274,926The complete starting cash picture.
Estimated remaining funds due at closing
$274,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,623.53
Your down payment$263,623.53
Closing costs + prepaids$11,302.31
Total buyer cash needed$274,925.85
Remaining funds due$274,925.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$1,277.00
Initial HOA (3 months)$30.00
Prepaid interest, first (30 days)$330.31
Fees + prepaids$11,302.31
Your down payment is the seller’s equity. You take over the $80,376 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $274,925.85 is due at closing. Uses and sources reconcile at $355,302.31 each. Not a Closing Disclosure.