Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$278,433Cash toward the purchase price.
Closing costs + prepaids$10,008Not just lender fees.
Before credits & paid funds$288,441The complete starting cash picture.
Estimated remaining funds due at closing
$288,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,432.53
Your down payment$278,432.53
Closing costs + prepaids$10,008.05
Total buyer cash needed$288,440.58
Remaining funds due$288,440.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$241.50
Prepaid interest, first (30 days)$191.55
Fees + prepaids$10,008.05
Your down payment is the seller’s equity. You take over the $56,567 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $288,440.58 is due at closing. Uses and sources reconcile at $345,008.05 each. Not a Closing Disclosure.