Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$284,111Cash toward the purchase price.
Closing costs + prepaids$9,557Not just lender fees.
Before credits & paid funds$293,668The complete starting cash picture.
Estimated remaining funds due at closing
$293,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,110.74
Your down payment$284,110.74
Closing costs + prepaids$9,556.92
Total buyer cash needed$293,667.66
Remaining funds due$293,667.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$175.25
Prepaid interest, first (1 days)$6.67
Fees + prepaids$9,556.92
Your down payment is the seller’s equity. You take over the $30,889 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $293,667.66 is due at closing. Uses and sources reconcile at $324,556.92 each. Not a Closing Disclosure.