Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$272,877Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$283,799The complete starting cash picture.
Estimated remaining funds due at closing
$283,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,877.06
Your down payment$272,877.06
Closing costs + prepaids$10,921.71
Total buyer cash needed$283,798.77
Remaining funds due$283,798.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$943.50
Prepaid interest, first (5 days)$53.22
Fees + prepaids$10,921.71
Your down payment is the seller’s equity. You take over the $97,122 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $283,798.77 is due at closing. Uses and sources reconcile at $380,920.71 each. Not a Closing Disclosure.