Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$272,164Cash toward the purchase price.
Closing costs + prepaids$10,045Not just lender fees.
Before credits & paid funds$282,209The complete starting cash picture.
Estimated remaining funds due at closing
$282,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,163.52
Your down payment$272,163.52
Closing costs + prepaids$10,044.99
Total buyer cash needed$282,208.51
Remaining funds due$282,208.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$402.00
Prepaid interest, first (9 days)$68.99
Fees + prepaids$10,044.99
Your down payment is the seller’s equity. You take over the $62,736 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $282,208.51 is due at closing. Uses and sources reconcile at $344,944.99 each. Not a Closing Disclosure.