Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$272,704Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$282,828The complete starting cash picture.
Estimated remaining funds due at closing
$282,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,704.39
Your down payment$272,704.39
Closing costs + prepaids$10,123.16
Total buyer cash needed$282,827.55
Remaining funds due$282,827.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$171.25
Initial HOA (3 months)$30.00
Prepaid interest, first (18 days)$146.91
Fees + prepaids$10,123.16
Your down payment is the seller’s equity. You take over the $82,296 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $282,827.55 is due at closing. Uses and sources reconcile at $365,123.16 each. Not a Closing Disclosure.