Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$280,374Cash toward the purchase price.
Closing costs + prepaids$9,951Not just lender fees.
Before credits & paid funds$290,325The complete starting cash picture.
Estimated remaining funds due at closing
$290,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,374.20
Your down payment$280,374.20
Closing costs + prepaids$9,950.64
Total buyer cash needed$290,324.84
Remaining funds due$290,324.84
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)$214.25
Prepaid interest, first (1 days)$11.39
Fees + prepaids$9,950.64
Your down payment is the seller’s equity. You take over the $69,626 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $290,324.84 is due at closing. Uses and sources reconcile at $359,950.64 each. Not a Closing Disclosure.