Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$298,633Cash toward the purchase price.
Closing costs + prepaids$10,710Not just lender fees.
Before credits & paid funds$309,343The complete starting cash picture.
Estimated remaining funds due at closing
$309,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,632.94
Your down payment$298,632.94
Closing costs + prepaids$10,709.87
Total buyer cash needed$309,342.81
Remaining funds due$309,342.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$389.75
Prepaid interest, first (27 days)$255.12
Fees + prepaids$10,709.87
Your down payment is the seller’s equity. You take over the $85,367 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $309,342.81 is due at closing. Uses and sources reconcile at $394,709.87 each. Not a Closing Disclosure.