Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$295,777Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$306,682The complete starting cash picture.
Estimated remaining funds due at closing
$306,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,776.54
Your down payment$295,776.54
Closing costs + prepaids$10,905.21
Total buyer cash needed$306,681.75
Remaining funds due$306,681.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$1,115.00
Prepaid interest, first (2 days)$15.22
Fees + prepaids$10,905.21
Your down payment is the seller’s equity. You take over the $59,222 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $306,681.75 is due at closing. Uses and sources reconcile at $365,904.21 each. Not a Closing Disclosure.