Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$295,695Cash toward the purchase price.
Closing costs + prepaids$10,760Not just lender fees.
Before credits & paid funds$306,455The complete starting cash picture.
Estimated remaining funds due at closing
$306,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,694.58
Your down payment$295,694.58
Closing costs + prepaids$10,760.15
Total buyer cash needed$306,454.73
Remaining funds due$306,454.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$333.25
Prepaid interest, first (31 days)$331.90
Fees + prepaids$10,760.15
Your down payment is the seller’s equity. You take over the $91,305 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $306,454.73 is due at closing. Uses and sources reconcile at $397,760.15 each. Not a Closing Disclosure.