Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$272,356Cash toward the purchase price.
Closing costs + prepaids$11,174Not just lender fees.
Before credits & paid funds$283,529The complete starting cash picture.
Estimated remaining funds due at closing
$283,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,355.62
Your down payment$272,355.62
Closing costs + prepaids$11,173.71
Total buyer cash needed$283,529.33
Remaining funds due$283,529.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$989.50
Prepaid interest, first (5 days)$79.21
Fees + prepaids$11,173.71
Your down payment is the seller’s equity. You take over the $115,644 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $283,529.33 is due at closing. Uses and sources reconcile at $399,173.71 each. Not a Closing Disclosure.