Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$275,676Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$286,030The complete starting cash picture.
Estimated remaining funds due at closing
$286,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,676.04
Your down payment$275,676.04
Closing costs + prepaids$10,353.99
Total buyer cash needed$286,030.03
Remaining funds due$286,030.03
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)$382.25
Prepaid interest, first (21 days)$246.74
Fees + prepaids$10,353.99
Your down payment is the seller’s equity. You take over the $74,324 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $286,030.03 is due at closing. Uses and sources reconcile at $360,353.99 each. Not a Closing Disclosure.