Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$283,485Cash toward the purchase price.
Closing costs + prepaids$9,510Not just lender fees.
Before credits & paid funds$292,995The complete starting cash picture.
Estimated remaining funds due at closing
$292,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,485.01
Your down payment$283,485.01
Closing costs + prepaids$9,510.20
Total buyer cash needed$292,995.21
Remaining funds due$292,995.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$352.00
Prepaid interest, first (28 days)$34.20
Fees + prepaids$9,510.20
Your down payment is the seller’s equity. You take over the $6,415 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $292,995.21 is due at closing. Uses and sources reconcile at $299,410.20 each. Not a Closing Disclosure.