Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$279,608Cash toward the purchase price.
Closing costs + prepaids$10,056Not just lender fees.
Before credits & paid funds$289,665The complete starting cash picture.
Estimated remaining funds due at closing
$289,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,608.11
Your down payment$279,608.11
Closing costs + prepaids$10,056.41
Total buyer cash needed$289,664.52
Remaining funds due$289,664.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$876.50
Prepaid interest, first (29 days)$54.91
Fees + prepaids$10,056.41
Your down payment is the seller’s equity. You take over the $10,392 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $289,664.52 is due at closing. Uses and sources reconcile at $300,056.41 each. Not a Closing Disclosure.