Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,968Cash toward the purchase price.
Closing costs + prepaids$9,475Not just lender fees.
Before credits & paid funds$48,443The complete starting cash picture.
Estimated remaining funds due at closing
$48,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,968.49
Your down payment$38,968.49
Closing costs + prepaids$9,474.54
Total buyer cash needed$48,443.04
Remaining funds due$48,443.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,929.00
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)$282.00
Prepaid interest, first (1 days)$38.54
Fees + prepaids$9,474.54
Your down payment is the seller’s equity. You take over the $253,932 balance, so the rest of the $292,900 price is paid at closing. A second mortgage can cover part of it. $48,443.04 is due at closing. Uses and sources reconcile at $302,374.54 each. Not a Closing Disclosure.