Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,556Cash toward the purchase price.
Closing costs + prepaids$9,392Not just lender fees.
Before credits & paid funds$25,948The complete starting cash picture.
Estimated remaining funds due at closing
$25,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,556.38
Your down payment$16,556.38
Closing costs + prepaids$9,391.84
Total buyer cash needed$25,948.22
Remaining funds due$25,948.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$122.75
Prepaid interest, first (1 days)$54.09
Fees + prepaids$9,391.84
Your down payment is the seller’s equity. You take over the $282,444 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $25,948.22 is due at closing. Uses and sources reconcile at $308,391.84 each. Not a Closing Disclosure.