Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$302,243Cash toward the purchase price.
Closing costs + prepaids$10,671Not just lender fees.
Before credits & paid funds$312,914The complete starting cash picture.
Estimated remaining funds due at closing
$312,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,243.12
Your down payment$302,243.12
Closing costs + prepaids$10,670.81
Total buyer cash needed$312,913.93
Remaining funds due$312,913.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$375.50
Prepaid interest, first (18 days)$190.31
Fees + prepaids$10,670.81
Your down payment is the seller’s equity. You take over the $85,757 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $312,913.93 is due at closing. Uses and sources reconcile at $398,670.81 each. Not a Closing Disclosure.