Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$269,688Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$280,254The complete starting cash picture.
Estimated remaining funds due at closing
$280,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,688.48
Your down payment$269,688.48
Closing costs + prepaids$10,566.00
Total buyer cash needed$280,254.48
Remaining funds due$280,254.48
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)$509.50
Prepaid interest, first (31 days)$331.50
Fees + prepaids$10,566.00
Your down payment is the seller’s equity. You take over the $80,312 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $280,254.48 is due at closing. Uses and sources reconcile at $360,566.00 each. Not a Closing Disclosure.