Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$291,718Cash toward the purchase price.
Closing costs + prepaids$9,673Not just lender fees.
Before credits & paid funds$301,390The complete starting cash picture.
Estimated remaining funds due at closing
$301,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,717.74
Your down payment$291,717.74
Closing costs + prepaids$9,672.59
Total buyer cash needed$301,390.33
Remaining funds due$301,390.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$205.25
Prepaid interest, first (22 days)$92.34
Fees + prepaids$9,672.59
Your down payment is the seller’s equity. You take over the $23,282 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $301,390.33 is due at closing. Uses and sources reconcile at $324,672.59 each. Not a Closing Disclosure.