Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$295,304Cash toward the purchase price.
Closing costs + prepaids$11,924Not just lender fees.
Before credits & paid funds$307,228The complete starting cash picture.
Estimated remaining funds due at closing
$307,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,303.61
Your down payment$295,303.61
Closing costs + prepaids$11,924.10
Total buyer cash needed$307,227.71
Remaining funds due$307,227.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$1,270.25
Prepaid interest, first (30 days)$429.85
Fees + prepaids$11,924.10
Your down payment is the seller’s equity. You take over the $104,596 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $307,227.71 is due at closing. Uses and sources reconcile at $411,824.10 each. Not a Closing Disclosure.