Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$299,500Cash toward the purchase price.
Closing costs + prepaids$9,580Not just lender fees.
Before credits & paid funds$309,079The complete starting cash picture.
Estimated remaining funds due at closing
$309,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,500.00
Your down payment$299,500.00
Closing costs + prepaids$9,579.50
Total buyer cash needed$309,079.50
Remaining funds due$309,079.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$359.50
Prepaid interest, first (10 days)$0.00
Fees + prepaids$9,579.50
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $309,079.50 is due at closing. Uses and sources reconcile at $309,079.50 each. Not a Closing Disclosure.