Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,338Cash toward the purchase price.
Closing costs + prepaids$9,889Not just lender fees.
Before credits & paid funds$53,226The complete starting cash picture.
Estimated remaining funds due at closing
$53,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,337.60
Your down payment$43,337.60
Closing costs + prepaids$9,888.66
Total buyer cash needed$53,226.26
Remaining funds due$53,226.26
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)$619.75
Prepaid interest, first (2 days)$93.91
Fees + prepaids$9,888.66
Your down payment is the seller’s equity. You take over the $251,662 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $53,226.26 is due at closing. Uses and sources reconcile at $304,888.66 each. Not a Closing Disclosure.