Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$260,112Cash toward the purchase price.
Closing costs + prepaids$10,209Not just lender fees.
Before credits & paid funds$270,322The complete starting cash picture.
Estimated remaining funds due at closing
$270,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,112.21
Your down payment$260,112.21
Closing costs + prepaids$10,209.37
Total buyer cash needed$270,321.58
Remaining funds due$270,321.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$418.75
Prepaid interest, first (9 days)$75.62
Fees + prepaids$10,209.37
Your down payment is the seller’s equity. You take over the $88,888 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $270,321.58 is due at closing. Uses and sources reconcile at $359,209.37 each. Not a Closing Disclosure.