Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$276,200Cash toward the purchase price.
Closing costs + prepaids$10,478Not just lender fees.
Before credits & paid funds$286,678The complete starting cash picture.
Estimated remaining funds due at closing
$286,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,200.02
Your down payment$276,200.02
Closing costs + prepaids$10,478.15
Total buyer cash needed$286,678.17
Remaining funds due$286,678.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$435.25
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$17.91
Fees + prepaids$10,478.15
Your down payment is the seller’s equity. You take over the $73,799 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $286,678.17 is due at closing. Uses and sources reconcile at $360,477.15 each. Not a Closing Disclosure.