Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$280,697Cash toward the purchase price.
Closing costs + prepaids$10,291Not just lender fees.
Before credits & paid funds$290,987The complete starting cash picture.
Estimated remaining funds due at closing
$290,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,696.70
Your down payment$280,696.70
Closing costs + prepaids$10,290.65
Total buyer cash needed$290,987.35
Remaining funds due$290,987.35
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)$214.25
Prepaid interest, first (31 days)$351.40
Fees + prepaids$10,290.65
Your down payment is the seller’s equity. You take over the $69,303 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $290,987.35 is due at closing. Uses and sources reconcile at $360,290.65 each. Not a Closing Disclosure.