Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$246,110Cash toward the purchase price.
Closing costs + prepaids$10,188Not just lender fees.
Before credits & paid funds$256,298The complete starting cash picture.
Estimated remaining funds due at closing
$256,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,110.14
Your down payment$246,110.14
Closing costs + prepaids$10,187.69
Total buyer cash needed$256,297.83
Remaining funds due$256,297.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$651.00
Prepaid interest, first (31 days)$311.69
Fees + prepaids$10,187.69
Your down payment is the seller’s equity. You take over the $53,890 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $256,297.83 is due at closing. Uses and sources reconcile at $310,187.69 each. Not a Closing Disclosure.