Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$297,750Cash toward the purchase price.
Closing costs + prepaids$10,422Not just lender fees.
Before credits & paid funds$308,173The complete starting cash picture.
Estimated remaining funds due at closing
$308,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,750.39
Your down payment$297,750.39
Closing costs + prepaids$10,422.13
Total buyer cash needed$308,172.52
Remaining funds due$308,172.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$244.50
Prepaid interest, first (31 days)$262.63
Fees + prepaids$10,422.13
Your down payment is the seller’s equity. You take over the $71,250 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $308,172.52 is due at closing. Uses and sources reconcile at $379,422.13 each. Not a Closing Disclosure.