Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$282,580Cash toward the purchase price.
Closing costs + prepaids$9,625Not just lender fees.
Before credits & paid funds$292,204The complete starting cash picture.
Estimated remaining funds due at closing
$292,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,579.86
Your down payment$282,579.86
Closing costs + prepaids$9,624.57
Total buyer cash needed$292,204.44
Remaining funds due$292,204.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$360.00
Prepaid interest, first (12 days)$39.57
Fees + prepaids$9,624.57
Your down payment is the seller’s equity. You take over the $17,420 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $292,204.44 is due at closing. Uses and sources reconcile at $309,624.57 each. Not a Closing Disclosure.