Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$283,698Cash toward the purchase price.
Closing costs + prepaids$10,092Not just lender fees.
Before credits & paid funds$293,789The complete starting cash picture.
Estimated remaining funds due at closing
$293,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,697.51
Your down payment$283,697.51
Closing costs + prepaids$10,091.98
Total buyer cash needed$293,789.49
Remaining funds due$293,789.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$322.25
Prepaid interest, first (28 days)$145.73
Fees + prepaids$10,091.98
Your down payment is the seller’s equity. You take over the $56,202 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $293,789.49 is due at closing. Uses and sources reconcile at $349,991.98 each. Not a Closing Disclosure.