Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$298,137Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$309,840The complete starting cash picture.
Estimated remaining funds due at closing
$309,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,137.06
Your down payment$298,137.06
Closing costs + prepaids$11,703.29
Total buyer cash needed$309,840.35
Remaining funds due$309,840.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$1,303.75
Prepaid interest, first (30 days)$424.54
Fees + prepaids$11,703.29
Your down payment is the seller’s equity. You take over the $76,863 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $309,840.35 is due at closing. Uses and sources reconcile at $386,703.29 each. Not a Closing Disclosure.