Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$292,117Cash toward the purchase price.
Closing costs + prepaids$9,759Not just lender fees.
Before credits & paid funds$301,876The complete starting cash picture.
Estimated remaining funds due at closing
$301,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,117.10
Your down payment$292,117.10
Closing costs + prepaids$9,758.97
Total buyer cash needed$301,876.08
Remaining funds due$301,876.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$490.75
Prepaid interest, first (31 days)$44.22
Fees + prepaids$9,758.97
Your down payment is the seller’s equity. You take over the $7,783 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $301,876.08 is due at closing. Uses and sources reconcile at $309,658.97 each. Not a Closing Disclosure.