Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$300,307Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$311,623The complete starting cash picture.
Estimated remaining funds due at closing
$311,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,307.36
Your down payment$300,307.36
Closing costs + prepaids$11,315.50
Total buyer cash needed$311,622.86
Remaining funds due$311,622.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,989.99
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)$1,017.50
Prepaid interest, first (5 days)$83.01
Fees + prepaids$11,315.50
Your down payment is the seller’s equity. You take over the $98,692 balance, so the rest of the $398,999 price is paid at closing. A second mortgage can cover part of it. $311,622.86 is due at closing. Uses and sources reconcile at $410,314.50 each. Not a Closing Disclosure.