Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$293,752Cash toward the purchase price.
Closing costs + prepaids$11,130Not just lender fees.
Before credits & paid funds$304,882The complete starting cash picture.
Estimated remaining funds due at closing
$304,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,751.73
Your down payment$293,751.73
Closing costs + prepaids$11,130.46
Total buyer cash needed$304,882.19
Remaining funds due$304,882.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$937.25
Prepaid interest, first (29 days)$219.21
Fees + prepaids$11,130.46
Your down payment is the seller’s equity. You take over the $81,148 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $304,882.19 is due at closing. Uses and sources reconcile at $386,030.46 each. Not a Closing Disclosure.