Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$288,745Cash toward the purchase price.
Closing costs + prepaids$9,610Not just lender fees.
Before credits & paid funds$298,355The complete starting cash picture.
Estimated remaining funds due at closing
$298,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,744.63
Your down payment$288,744.63
Closing costs + prepaids$9,609.99
Total buyer cash needed$298,354.62
Remaining funds due$298,354.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$323.00
Prepaid interest, first (30 days)$62.99
Fees + prepaids$9,609.99
Your down payment is the seller’s equity. You take over the $11,155 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $298,354.62 is due at closing. Uses and sources reconcile at $309,509.99 each. Not a Closing Disclosure.