Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$263,833Cash toward the purchase price.
Closing costs + prepaids$10,111Not just lender fees.
Before credits & paid funds$273,944The complete starting cash picture.
Estimated remaining funds due at closing
$273,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,833.34
Your down payment$263,833.34
Closing costs + prepaids$10,111.08
Total buyer cash needed$273,944.43
Remaining funds due$273,944.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,380.00
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)$405.50
Prepaid interest, first (10 days)$100.58
Fees + prepaids$10,111.08
Your down payment is the seller’s equity. You take over the $74,167 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $273,944.43 is due at closing. Uses and sources reconcile at $348,111.08 each. Not a Closing Disclosure.