Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$297,750Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$308,105The complete starting cash picture.
Estimated remaining funds due at closing
$308,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,750.39
Your down payment$297,750.39
Closing costs + prepaids$10,354.35
Total buyer cash needed$308,104.75
Remaining funds due$308,104.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$244.50
Prepaid interest, first (23 days)$194.85
Fees + prepaids$10,354.35
Your down payment is the seller’s equity. You take over the $71,250 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $308,104.75 is due at closing. Uses and sources reconcile at $379,354.35 each. Not a Closing Disclosure.