Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$289,002Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$299,764The complete starting cash picture.
Estimated remaining funds due at closing
$299,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,001.56
Your down payment$289,001.56
Closing costs + prepaids$10,762.47
Total buyer cash needed$299,764.03
Remaining funds due$299,764.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$399.00
Prepaid interest, first (24 days)$288.47
Fees + prepaids$10,762.47
Your down payment is the seller’s equity. You take over the $95,998 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $299,764.03 is due at closing. Uses and sources reconcile at $395,762.47 each. Not a Closing Disclosure.