Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,296Cash toward the purchase price.
Closing costs + prepaids$11,984Not just lender fees.
Before credits & paid funds$312,280The complete starting cash picture.
Estimated remaining funds due at closing
$312,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,296.18
Your down payment$300,296.18
Closing costs + prepaids$11,983.80
Total buyer cash needed$312,279.98
Remaining funds due$312,279.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$1,610.50
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$29.30
Fees + prepaids$11,983.80
Your down payment is the seller’s equity. You take over the $84,604 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $312,279.98 is due at closing. Uses and sources reconcile at $396,883.80 each. Not a Closing Disclosure.