Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$298,329Cash toward the purchase price.
Closing costs + prepaids$10,185Not just lender fees.
Before credits & paid funds$308,514The complete starting cash picture.
Estimated remaining funds due at closing
$308,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,329.01
Your down payment$298,329.01
Closing costs + prepaids$10,184.68
Total buyer cash needed$308,513.70
Remaining funds due$308,513.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$965.75
Prepaid interest, first (31 days)$3.93
Fees + prepaids$10,184.68
Your down payment is the seller’s equity. You take over the $671 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $308,513.70 is due at closing. Uses and sources reconcile at $309,184.68 each. Not a Closing Disclosure.