Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$266,251Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$276,401The complete starting cash picture.
Estimated remaining funds due at closing
$276,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,251.05
Your down payment$266,251.05
Closing costs + prepaids$10,150.30
Total buyer cash needed$276,401.35
Remaining funds due$276,401.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$214.50
Prepaid interest, first (1 days)$10.80
Fees + prepaids$10,150.30
Your down payment is the seller’s equity. You take over the $103,749 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $276,401.35 is due at closing. Uses and sources reconcile at $380,150.30 each. Not a Closing Disclosure.