Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$306,161Cash toward the purchase price.
Closing costs + prepaids$10,353Not just lender fees.
Before credits & paid funds$316,514The complete starting cash picture.
Estimated remaining funds due at closing
$316,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,161.26
Your down payment$306,161.26
Closing costs + prepaids$10,352.86
Total buyer cash needed$316,514.12
Remaining funds due$316,514.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$824.75
Prepaid interest, first (1 days)$4.11
Fees + prepaids$10,352.86
Your down payment is the seller’s equity. You take over the $23,739 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $316,514.12 is due at closing. Uses and sources reconcile at $340,252.86 each. Not a Closing Disclosure.