Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,029Cash toward the purchase price.
Closing costs + prepaids$10,197Not just lender fees.
Before credits & paid funds$47,226The complete starting cash picture.
Estimated remaining funds due at closing
$47,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,029.26
Your down payment$37,029.26
Closing costs + prepaids$10,196.84
Total buyer cash needed$47,226.10
Remaining funds due$47,226.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,140.00
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)$196.50
Initial HOA (3 months)$537.00
Prepaid interest, first (2 days)$98.34
Fees + prepaids$10,196.84
Your down payment is the seller’s equity. You take over the $276,971 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $47,226.10 is due at closing. Uses and sources reconcile at $324,196.84 each. Not a Closing Disclosure.