Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,602Cash toward the purchase price.
Closing costs + prepaids$10,465Not just lender fees.
Before credits & paid funds$52,068The complete starting cash picture.
Estimated remaining funds due at closing
$52,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,602.19
Your down payment$41,602.19
Closing costs + prepaids$10,465.36
Total buyer cash needed$52,067.55
Remaining funds due$52,067.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,080.00
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)$268.25
Initial HOA (3 months)$870.00
Prepaid interest, first (1 days)$22.11
Fees + prepaids$10,465.36
Your down payment is the seller’s equity. You take over the $266,398 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $52,067.55 is due at closing. Uses and sources reconcile at $318,465.36 each. Not a Closing Disclosure.