Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$297,620Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$307,586The complete starting cash picture.
Estimated remaining funds due at closing
$307,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,620.47
Your down payment$297,620.47
Closing costs + prepaids$9,965.87
Total buyer cash needed$307,586.33
Remaining funds due$307,586.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$747.50
Prepaid interest, first (27 days)$3.37
Fees + prepaids$9,965.87
Your down payment is the seller’s equity. You take over the $1,380 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $307,586.33 is due at closing. Uses and sources reconcile at $308,965.87 each. Not a Closing Disclosure.