Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$287,290Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$297,208The complete starting cash picture.
Estimated remaining funds due at closing
$297,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,290.10
Your down payment$287,290.10
Closing costs + prepaids$9,917.64
Total buyer cash needed$297,207.74
Remaining funds due$297,207.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,974.00
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)$678.00
Prepaid interest, first (22 days)$40.64
Fees + prepaids$9,917.64
Your down payment is the seller’s equity. You take over the $10,110 balance, so the rest of the $297,400 price is paid at closing. A second mortgage can cover part of it. $297,207.74 is due at closing. Uses and sources reconcile at $307,317.64 each. Not a Closing Disclosure.