Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,420Cash toward the purchase price.
Closing costs + prepaids$9,732Not just lender fees.
Before credits & paid funds$48,152The complete starting cash picture.
Estimated remaining funds due at closing
$48,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,419.69
Your down payment$38,419.69
Closing costs + prepaids$9,732.34
Total buyer cash needed$48,152.03
Remaining funds due$48,152.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.90
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)$13.00
Initial HOA (3 months)$447.00
Prepaid interest, first (1 days)$47.44
Fees + prepaids$9,732.34
Your down payment is the seller’s equity. You take over the $261,570 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $48,152.03 is due at closing. Uses and sources reconcile at $309,722.34 each. Not a Closing Disclosure.