Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$294,414Cash toward the purchase price.
Closing costs + prepaids$11,408Not just lender fees.
Before credits & paid funds$305,822The complete starting cash picture.
Estimated remaining funds due at closing
$305,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,414.42
Your down payment$294,414.42
Closing costs + prepaids$11,407.50
Total buyer cash needed$305,821.92
Remaining funds due$305,821.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,258.88
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)$562.50
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$31.12
Fees + prepaids$11,407.50
Your down payment is the seller’s equity. You take over the $131,474 balance, so the rest of the $425,888 price is paid at closing. A second mortgage can cover part of it. $305,821.92 is due at closing. Uses and sources reconcile at $437,295.50 each. Not a Closing Disclosure.