Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$15,222Cash toward the purchase price.
Closing costs + prepaids$9,739Not just lender fees.
Before credits & paid funds$24,961The complete starting cash picture.
Estimated remaining funds due at closing
$24,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,222.46
Your down payment$15,222.46
Closing costs + prepaids$9,738.89
Total buyer cash needed$24,961.35
Remaining funds due$24,961.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$307.50
Prepaid interest, first (1 days)$57.39
Fees + prepaids$9,738.89
Your down payment is the seller’s equity. You take over the $299,678 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $24,961.35 is due at closing. Uses and sources reconcile at $324,638.89 each. Not a Closing Disclosure.