Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$288,698Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$299,488The complete starting cash picture.
Estimated remaining funds due at closing
$299,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,697.63
Your down payment$288,697.63
Closing costs + prepaids$10,790.25
Total buyer cash needed$299,487.88
Remaining funds due$299,487.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,978.00
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)$477.25
Prepaid interest, first (10 days)$110.00
Fees + prepaids$10,790.25
Your down payment is the seller’s equity. You take over the $109,102 balance, so the rest of the $397,800 price is paid at closing. A second mortgage can cover part of it. $299,487.88 is due at closing. Uses and sources reconcile at $408,590.25 each. Not a Closing Disclosure.