Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$299,630Cash toward the purchase price.
Closing costs + prepaids$10,244Not just lender fees.
Before credits & paid funds$309,874The complete starting cash picture.
Estimated remaining funds due at closing
$309,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,629.93
Your down payment$299,629.93
Closing costs + prepaids$10,244.09
Total buyer cash needed$309,874.01
Remaining funds due$309,874.01
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 (2 days)$18.59
Fees + prepaids$10,244.09
Your down payment is the seller’s equity. You take over the $70,370 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $309,874.01 is due at closing. Uses and sources reconcile at $380,244.09 each. Not a Closing Disclosure.