Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,145Cash toward the purchase price.
Closing costs + prepaids$10,243Not just lender fees.
Before credits & paid funds$53,388The complete starting cash picture.
Estimated remaining funds due at closing
$53,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,144.56
Your down payment$43,144.56
Closing costs + prepaids$10,243.25
Total buyer cash needed$53,387.81
Remaining funds due$53,387.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,092.75
Prepaid interest, first (1 days)$26.50
Fees + prepaids$10,243.25
Your down payment is the seller’s equity. You take over the $246,755 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $53,387.81 is due at closing. Uses and sources reconcile at $300,143.25 each. Not a Closing Disclosure.