Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,470Cash toward the purchase price.
Closing costs + prepaids$9,527Not just lender fees.
Before credits & paid funds$243,998The complete starting cash picture.
Estimated remaining funds due at closing
$243,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,470.50
Your down payment$234,470.50
Closing costs + prepaids$9,527.14
Total buyer cash needed$243,997.64
Remaining funds due$243,997.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$293.25
Prepaid interest, first (1 days)$8.89
Fees + prepaids$9,527.14
Your down payment is the seller’s equity. You take over the $65,530 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $243,997.64 is due at closing. Uses and sources reconcile at $309,527.14 each. Not a Closing Disclosure.