Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$296,031Cash toward the purchase price.
Closing costs + prepaids$11,072Not just lender fees.
Before credits & paid funds$307,103The complete starting cash picture.
Estimated remaining funds due at closing
$307,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,030.67
Your down payment$296,030.67
Closing costs + prepaids$11,071.84
Total buyer cash needed$307,102.51
Remaining funds due$307,102.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$1,115.00
Prepaid interest, first (24 days)$181.85
Fees + prepaids$11,071.84
Your down payment is the seller’s equity. You take over the $58,968 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $307,102.51 is due at closing. Uses and sources reconcile at $366,070.84 each. Not a Closing Disclosure.