Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$306,997Cash toward the purchase price.
Closing costs + prepaids$10,298Not just lender fees.
Before credits & paid funds$317,294The complete starting cash picture.
Estimated remaining funds due at closing
$317,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,996.85
Your down payment$306,996.85
Closing costs + prepaids$10,297.56
Total buyer cash needed$317,294.41
Remaining funds due$317,294.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$438.50
Prepaid interest, first (30 days)$135.06
Fees + prepaids$10,297.56
Your down payment is the seller’s equity. You take over the $42,903 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $317,294.41 is due at closing. Uses and sources reconcile at $360,197.56 each. Not a Closing Disclosure.