Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$298,238Cash toward the purchase price.
Closing costs + prepaids$10,104Not just lender fees.
Before credits & paid funds$308,342The complete starting cash picture.
Estimated remaining funds due at closing
$308,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,237.85
Your down payment$298,237.85
Closing costs + prepaids$10,104.35
Total buyer cash needed$308,342.20
Remaining funds due$308,342.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$245.00
Prepaid interest, first (22 days)$139.35
Fees + prepaids$10,104.35
Your down payment is the seller’s equity. You take over the $51,262 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $308,342.20 is due at closing. Uses and sources reconcile at $359,604.35 each. Not a Closing Disclosure.