Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$309,731Cash toward the purchase price.
Closing costs + prepaids$10,496Not just lender fees.
Before credits & paid funds$320,227The complete starting cash picture.
Estimated remaining funds due at closing
$320,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,730.50
Your down payment$309,730.50
Closing costs + prepaids$10,496.29
Total buyer cash needed$320,226.80
Remaining funds due$320,226.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$103.00
Prepaid interest, first (27 days)$178.29
Fees + prepaids$10,496.29
Your down payment is the seller’s equity. You take over the $89,269 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $320,226.80 is due at closing. Uses and sources reconcile at $409,496.29 each. Not a Closing Disclosure.