Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$299,967Cash toward the purchase price.
Closing costs + prepaids$10,401Not just lender fees.
Before credits & paid funds$310,368The complete starting cash picture.
Estimated remaining funds due at closing
$310,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,966.75
Your down payment$299,966.75
Closing costs + prepaids$10,401.22
Total buyer cash needed$310,367.97
Remaining funds due$310,367.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$300.50
Prepaid interest, first (19 days)$175.72
Fees + prepaids$10,401.22
Your down payment is the seller’s equity. You take over the $70,033 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $310,367.97 is due at closing. Uses and sources reconcile at $380,401.22 each. Not a Closing Disclosure.