Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$243,004Cash toward the purchase price.
Closing costs + prepaids$10,437Not just lender fees.
Before credits & paid funds$253,441The complete starting cash picture.
Estimated remaining funds due at closing
$253,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,004.30
Your down payment$243,004.30
Closing costs + prepaids$10,437.11
Total buyer cash needed$253,441.41
Remaining funds due$253,441.41
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)$1,190.25
Prepaid interest, first (2 days)$21.86
Fees + prepaids$10,437.11
Your down payment is the seller’s equity. You take over the $56,996 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $253,441.41 is due at closing. Uses and sources reconcile at $310,437.11 each. Not a Closing Disclosure.