Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,786Cash toward the purchase price.
Closing costs + prepaids$11,485Not just lender fees.
Before credits & paid funds$283,272The complete starting cash picture.
Estimated remaining funds due at closing
$283,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,786.19
Your down payment$271,786.19
Closing costs + prepaids$11,485.42
Total buyer cash needed$283,271.61
Remaining funds due$283,271.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$1,364.50
Prepaid interest, first (1 days)$15.92
Fees + prepaids$11,485.42
Your down payment is the seller’s equity. You take over the $116,214 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $283,271.61 is due at closing. Uses and sources reconcile at $399,485.42 each. Not a Closing Disclosure.