Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$285,599Cash toward the purchase price.
Closing costs + prepaids$11,684Not just lender fees.
Before credits & paid funds$297,283The complete starting cash picture.
Estimated remaining funds due at closing
$297,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,598.97
Your down payment$285,598.97
Closing costs + prepaids$11,684.49
Total buyer cash needed$297,283.46
Remaining funds due$297,283.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.99
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)$987.50
Prepaid interest, first (28 days)$522.00
Fees + prepaids$11,684.49
Your down payment is the seller’s equity. You take over the $109,400 balance, so the rest of the $394,999 price is paid at closing. A second mortgage can cover part of it. $297,283.46 is due at closing. Uses and sources reconcile at $406,683.49 each. Not a Closing Disclosure.