Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$295,518Cash toward the purchase price.
Closing costs + prepaids$10,285Not just lender fees.
Before credits & paid funds$305,803The complete starting cash picture.
Estimated remaining funds due at closing
$305,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,517.97
Your down payment$295,517.97
Closing costs + prepaids$10,285.17
Total buyer cash needed$305,803.14
Remaining funds due$305,803.14
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)$115.00
Prepaid interest, first (22 days)$196.17
Fees + prepaids$10,285.17
Your down payment is the seller’s equity. You take over the $79,382 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $305,803.14 is due at closing. Uses and sources reconcile at $385,185.17 each. Not a Closing Disclosure.