Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$304,990Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$315,616The complete starting cash picture.
Estimated remaining funds due at closing
$315,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,989.57
Your down payment$304,989.57
Closing costs + prepaids$10,626.71
Total buyer cash needed$315,616.28
Remaining funds due$315,616.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,859.00
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)$292.00
Prepaid interest, first (26 days)$250.71
Fees + prepaids$10,626.71
Your down payment is the seller’s equity. You take over the $80,910 balance, so the rest of the $385,900 price is paid at closing. A second mortgage can cover part of it. $315,616.28 is due at closing. Uses and sources reconcile at $396,526.71 each. Not a Closing Disclosure.