Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,817Cash toward the purchase price.
Closing costs + prepaids$11,328Not just lender fees.
Before credits & paid funds$50,145The complete starting cash picture.
Estimated remaining funds due at closing
$50,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,817.14
Your down payment$38,817.14
Closing costs + prepaids$11,327.65
Total buyer cash needed$50,144.79
Remaining funds due$50,144.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$2,078.25
Prepaid interest, first (2 days)$74.40
Fees + prepaids$11,327.65
Your down payment is the seller’s equity. You take over the $256,183 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $50,144.79 is due at closing. Uses and sources reconcile at $306,327.65 each. Not a Closing Disclosure.