Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$293,978Cash toward the purchase price.
Closing costs + prepaids$11,801Not just lender fees.
Before credits & paid funds$305,779The complete starting cash picture.
Estimated remaining funds due at closing
$305,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,978.36
Your down payment$293,978.36
Closing costs + prepaids$11,800.72
Total buyer cash needed$305,779.08
Remaining funds due$305,779.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$825.00
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$11.72
Fees + prepaids$11,800.72
Your down payment is the seller’s equity. You take over the $146,022 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $305,779.08 is due at closing. Uses and sources reconcile at $451,800.72 each. Not a Closing Disclosure.