Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$286,032Cash toward the purchase price.
Closing costs + prepaids$10,052Not just lender fees.
Before credits & paid funds$296,084The complete starting cash picture.
Estimated remaining funds due at closing
$296,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,032.43
Your down payment$286,032.43
Closing costs + prepaids$10,051.75
Total buyer cash needed$296,084.18
Remaining funds due$296,084.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$223.75
Prepaid interest, first (23 days)$204.00
Fees + prepaids$10,051.75
Your down payment is the seller’s equity. You take over the $53,868 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $296,084.18 is due at closing. Uses and sources reconcile at $349,951.75 each. Not a Closing Disclosure.