Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$299,133Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$310,047The complete starting cash picture.
Estimated remaining funds due at closing
$310,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,132.78
Your down payment$299,132.78
Closing costs + prepaids$10,914.39
Total buyer cash needed$310,047.17
Remaining funds due$310,047.17
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)$478.75
Prepaid interest, first (12 days)$220.64
Fees + prepaids$10,914.39
Your down payment is the seller’s equity. You take over the $99,867 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $310,047.17 is due at closing. Uses and sources reconcile at $409,914.39 each. Not a Closing Disclosure.