Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$287,895Cash toward the purchase price.
Closing costs + prepaids$9,606Not just lender fees.
Before credits & paid funds$297,501The complete starting cash picture.
Estimated remaining funds due at closing
$297,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,895.11
Your down payment$287,895.11
Closing costs + prepaids$9,605.93
Total buyer cash needed$297,501.04
Remaining funds due$297,501.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,098.00
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)$212.25
Prepaid interest, first (26 days)$70.68
Fees + prepaids$9,605.93
Your down payment is the seller’s equity. You take over the $21,905 balance, so the rest of the $309,800 price is paid at closing. A second mortgage can cover part of it. $297,501.04 is due at closing. Uses and sources reconcile at $319,405.93 each. Not a Closing Disclosure.