Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$266,448Cash toward the purchase price.
Closing costs + prepaids$9,979Not just lender fees.
Before credits & paid funds$276,427The complete starting cash picture.
Estimated remaining funds due at closing
$276,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,448.20
Your down payment$266,448.20
Closing costs + prepaids$9,978.68
Total buyer cash needed$276,426.89
Remaining funds due$276,426.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$229.75
Prepaid interest, first (19 days)$224.93
Fees + prepaids$9,978.68
Your down payment is the seller’s equity. You take over the $63,452 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $276,426.89 is due at closing. Uses and sources reconcile at $339,878.68 each. Not a Closing Disclosure.