Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$307,010Cash toward the purchase price.
Closing costs + prepaids$11,290Not just lender fees.
Before credits & paid funds$318,300The complete starting cash picture.
Estimated remaining funds due at closing
$318,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,010.39
Your down payment$307,010.39
Closing costs + prepaids$11,289.75
Total buyer cash needed$318,300.14
Remaining funds due$318,300.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$487.75
Prepaid interest, first (23 days)$278.00
Fees + prepaids$11,289.75
Your down payment is the seller’s equity. You take over the $122,890 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $318,300.14 is due at closing. Uses and sources reconcile at $441,189.75 each. Not a Closing Disclosure.