Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$298,070Cash toward the purchase price.
Closing costs + prepaids$9,971Not just lender fees.
Before credits & paid funds$308,041The complete starting cash picture.
Estimated remaining funds due at closing
$308,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,069.71
Your down payment$298,069.71
Closing costs + prepaids$9,971.35
Total buyer cash needed$308,041.07
Remaining funds due$308,041.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$245.00
Prepaid interest, first (1 days)$6.35
Fees + prepaids$9,971.35
Your down payment is the seller’s equity. You take over the $51,430 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $308,041.07 is due at closing. Uses and sources reconcile at $359,471.35 each. Not a Closing Disclosure.