Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$296,280Cash toward the purchase price.
Closing costs + prepaids$11,234Not just lender fees.
Before credits & paid funds$307,514The complete starting cash picture.
Estimated remaining funds due at closing
$307,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,280.18
Your down payment$296,280.18
Closing costs + prepaids$11,233.93
Total buyer cash needed$307,514.12
Remaining funds due$307,514.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,420.00
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)$558.75
Prepaid interest, first (2 days)$30.18
Fees + prepaids$11,233.93
Your down payment is the seller’s equity. You take over the $145,720 balance, so the rest of the $442,000 price is paid at closing. A second mortgage can cover part of it. $307,514.12 is due at closing. Uses and sources reconcile at $453,233.93 each. Not a Closing Disclosure.