Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,462Cash toward the purchase price.
Closing costs + prepaids$9,953Not just lender fees.
Before credits & paid funds$296,415The complete starting cash picture.
Estimated remaining funds due at closing
$296,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,461.93
Your down payment$286,461.93
Closing costs + prepaids$9,953.29
Total buyer cash needed$296,415.22
Remaining funds due$296,415.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$829.00
Prepaid interest, first (1 days)$0.29
Fees + prepaids$9,953.29
Your down payment is the seller’s equity. You take over the $3,438 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $296,415.22 is due at closing. Uses and sources reconcile at $299,853.29 each. Not a Closing Disclosure.