Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$260,666Cash toward the purchase price.
Closing costs + prepaids$10,111Not just lender fees.
Before credits & paid funds$270,777The complete starting cash picture.
Estimated remaining funds due at closing
$270,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,665.82
Your down payment$260,665.82
Closing costs + prepaids$10,111.01
Total buyer cash needed$270,776.83
Remaining funds due$270,776.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,389.00
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)$225.25
Prepaid interest, first (31 days)$271.76
Fees + prepaids$10,111.01
Your down payment is the seller’s equity. You take over the $78,234 balance, so the rest of the $338,900 price is paid at closing. A second mortgage can cover part of it. $270,776.83 is due at closing. Uses and sources reconcile at $349,011.01 each. Not a Closing Disclosure.