Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$302,764Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$313,379The complete starting cash picture.
Estimated remaining funds due at closing
$313,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,764.39
Your down payment$302,764.39
Closing costs + prepaids$10,614.92
Total buyer cash needed$313,379.31
Remaining funds due$313,379.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$414.25
Prepaid interest, first (22 days)$176.67
Fees + prepaids$10,614.92
Your down payment is the seller’s equity. You take over the $77,136 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $313,379.31 is due at closing. Uses and sources reconcile at $390,514.92 each. Not a Closing Disclosure.