Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,227Cash toward the purchase price.
Closing costs + prepaids$11,151Not just lender fees.
Before credits & paid funds$49,379The complete starting cash picture.
Estimated remaining funds due at closing
$49,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,227.39
Your down payment$38,227.39
Closing costs + prepaids$11,151.45
Total buyer cash needed$49,378.85
Remaining funds due$49,378.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,040.00
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)$910.00
Initial HOA (3 months)$885.00
Prepaid interest, first (2 days)$91.45
Fees + prepaids$11,151.45
Your down payment is the seller’s equity. You take over the $265,773 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $49,378.85 is due at closing. Uses and sources reconcile at $315,151.45 each. Not a Closing Disclosure.