Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$288,899Cash toward the purchase price.
Closing costs + prepaids$9,999Not just lender fees.
Before credits & paid funds$298,897The complete starting cash picture.
Estimated remaining funds due at closing
$298,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,898.53
Your down payment$288,898.53
Closing costs + prepaids$9,998.74
Total buyer cash needed$298,897.27
Remaining funds due$298,897.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$764.75
Prepaid interest, first (5 days)$9.99
Fees + prepaids$9,998.74
Your down payment is the seller’s equity. You take over the $11,001 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $298,897.27 is due at closing. Uses and sources reconcile at $309,898.74 each. Not a Closing Disclosure.