Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$311,561Cash toward the purchase price.
Closing costs + prepaids$12,558Not just lender fees.
Before credits & paid funds$324,119The complete starting cash picture.
Estimated remaining funds due at closing
$324,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,560.78
Your down payment$311,560.78
Closing costs + prepaids$12,557.93
Total buyer cash needed$324,118.71
Remaining funds due$324,118.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.00
Prepaid interest, first (2 days)$50.93
Fees + prepaids$12,557.93
Your down payment is the seller’s equity. You take over the $238,339 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $324,118.71 is due at closing. Uses and sources reconcile at $562,457.93 each. Not a Closing Disclosure.