Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$307,370Cash toward the purchase price.
Closing costs + prepaids$10,059Not just lender fees.
Before credits & paid funds$317,429The complete starting cash picture.
Estimated remaining funds due at closing
$317,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,369.89
Your down payment$307,369.89
Closing costs + prepaids$10,059.32
Total buyer cash needed$317,429.21
Remaining funds due$317,429.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$211.50
Prepaid interest, first (22 days)$123.82
Fees + prepaids$10,059.32
Your down payment is the seller’s equity. You take over the $42,530 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $317,429.21 is due at closing. Uses and sources reconcile at $359,959.32 each. Not a Closing Disclosure.