Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$303,366Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$313,979The complete starting cash picture.
Estimated remaining funds due at closing
$313,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,366.32
Your down payment$303,366.32
Closing costs + prepaids$10,612.62
Total buyer cash needed$313,978.93
Remaining funds due$313,978.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,821.00
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)$357.25
Prepaid interest, first (23 days)$209.37
Fees + prepaids$10,612.62
Your down payment is the seller’s equity. You take over the $78,734 balance, so the rest of the $382,100 price is paid at closing. A second mortgage can cover part of it. $313,978.93 is due at closing. Uses and sources reconcile at $392,712.62 each. Not a Closing Disclosure.