Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$269,371Cash toward the purchase price.
Closing costs + prepaids$10,256Not just lender fees.
Before credits & paid funds$279,627The complete starting cash picture.
Estimated remaining funds due at closing
$279,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,371.00
Your down payment$269,371.00
Closing costs + prepaids$10,256.22
Total buyer cash needed$279,627.22
Remaining funds due$279,627.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$509.75
Prepaid interest, first (2 days)$21.47
Fees + prepaids$10,256.22
Your down payment is the seller’s equity. You take over the $80,629 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $279,627.22 is due at closing. Uses and sources reconcile at $360,256.22 each. Not a Closing Disclosure.