Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$293,441Cash toward the purchase price.
Closing costs + prepaids$11,126Not just lender fees.
Before credits & paid funds$304,567The complete starting cash picture.
Estimated remaining funds due at closing
$304,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,440.87
Your down payment$293,440.87
Closing costs + prepaids$11,126.15
Total buyer cash needed$304,567.02
Remaining funds due$304,567.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$745.00
Prepaid interest, first (26 days)$266.15
Fees + prepaids$11,126.15
Your down payment is the seller’s equity. You take over the $95,559 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $304,567.02 is due at closing. Uses and sources reconcile at $400,126.15 each. Not a Closing Disclosure.