Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,658Cash toward the purchase price.
Closing costs + prepaids$9,300Not just lender fees.
Before credits & paid funds$20,958The complete starting cash picture.
Estimated remaining funds due at closing
$20,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,657.78
Your down payment$11,657.78
Closing costs + prepaids$9,300.14
Total buyer cash needed$20,957.91
Remaining funds due$20,957.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,820.00
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)$218.25
Prepaid interest, first (1 days)$36.89
Fees + prepaids$9,300.14
Your down payment is the seller’s equity. You take over the $270,342 balance, so the rest of the $282,000 price is paid at closing. A second mortgage can cover part of it. $20,957.91 is due at closing. Uses and sources reconcile at $291,300.14 each. Not a Closing Disclosure.