Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$301,806Cash toward the purchase price.
Closing costs + prepaids$10,965Not just lender fees.
Before credits & paid funds$312,771The complete starting cash picture.
Estimated remaining funds due at closing
$312,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,806.49
Your down payment$301,806.49
Closing costs + prepaids$10,964.59
Total buyer cash needed$312,771.08
Remaining funds due$312,771.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.99
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)$512.50
Prepaid interest, first (16 days)$127.10
Fees + prepaids$10,964.59
Your down payment is the seller’s equity. You take over the $108,193 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $312,771.08 is due at closing. Uses and sources reconcile at $420,963.59 each. Not a Closing Disclosure.