Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$295,839Cash toward the purchase price.
Closing costs + prepaids$11,383Not just lender fees.
Before credits & paid funds$307,222The complete starting cash picture.
Estimated remaining funds due at closing
$307,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,838.97
Your down payment$295,838.97
Closing costs + prepaids$11,383.16
Total buyer cash needed$307,222.13
Remaining funds due$307,222.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$335.25
Prepaid interest, first (26 days)$623.91
Fees + prepaids$11,383.16
Your down payment is the seller’s equity. You take over the $124,061 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $307,222.13 is due at closing. Uses and sources reconcile at $431,283.16 each. Not a Closing Disclosure.