Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,037Cash toward the purchase price.
Closing costs + prepaids$10,917Not just lender fees.
Before credits & paid funds$296,954The complete starting cash picture.
Estimated remaining funds due at closing
$296,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,037.10
Your down payment$286,037.10
Closing costs + prepaids$10,917.06
Total buyer cash needed$296,954.16
Remaining funds due$296,954.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,110.00
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)$389.50
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$12.56
Fees + prepaids$10,917.06
Your down payment is the seller’s equity. You take over the $124,963 balance, so the rest of the $411,000 price is paid at closing. A second mortgage can cover part of it. $296,954.16 is due at closing. Uses and sources reconcile at $421,917.06 each. Not a Closing Disclosure.