Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$268,311Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$278,388The complete starting cash picture.
Estimated remaining funds due at closing
$278,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,310.73
Your down payment$268,310.73
Closing costs + prepaids$10,076.91
Total buyer cash needed$278,387.65
Remaining funds due$278,387.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$197.75
Prepaid interest, first (31 days)$264.16
Fees + prepaids$10,076.91
Your down payment is the seller’s equity. You take over the $70,689 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $278,387.65 is due at closing. Uses and sources reconcile at $349,076.91 each. Not a Closing Disclosure.