Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$309,731Cash toward the purchase price.
Closing costs + prepaids$10,826Not just lender fees.
Before credits & paid funds$320,557The complete starting cash picture.
Estimated remaining funds due at closing
$320,557No 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$10,826.01
Total buyer cash needed$320,556.51
Remaining funds due$320,556.51
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)$498.75
Prepaid interest, first (17 days)$112.26
Fees + prepaids$10,826.01
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. $320,556.51 is due at closing. Uses and sources reconcile at $409,826.01 each. Not a Closing Disclosure.