Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$299,336Cash toward the purchase price.
Closing costs + prepaids$9,719Not just lender fees.
Before credits & paid funds$309,055The complete starting cash picture.
Estimated remaining funds due at closing
$309,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,335.83
Your down payment$299,335.83
Closing costs + prepaids$9,719.22
Total buyer cash needed$309,055.04
Remaining funds due$309,055.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$206.25
Prepaid interest, first (27 days)$107.97
Fees + prepaids$9,719.22
Your down payment is the seller’s equity. You take over the $18,664 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $309,055.04 is due at closing. Uses and sources reconcile at $327,719.22 each. Not a Closing Disclosure.