Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$268,102Cash toward the purchase price.
Closing costs + prepaids$9,821Not just lender fees.
Before credits & paid funds$277,923The complete starting cash picture.
Estimated remaining funds due at closing
$277,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,101.99
Your down payment$268,101.99
Closing costs + prepaids$9,821.30
Total buyer cash needed$277,923.28
Remaining funds due$277,923.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$197.75
Prepaid interest, first (1 days)$8.55
Fees + prepaids$9,821.30
Your down payment is the seller’s equity. You take over the $70,898 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $277,923.28 is due at closing. Uses and sources reconcile at $348,821.30 each. Not a Closing Disclosure.