Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$292,945Cash toward the purchase price.
Closing costs + prepaids$22,210Not just lender fees.
Before credits & paid funds$315,155The complete starting cash picture.
Estimated remaining funds due at closing
$315,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,945.45
Your down payment$292,945.45
Closing costs + prepaids$22,209.86
Total buyer cash needed$315,155.30
Remaining funds due$315,155.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,315.25
Initial HOA (3 months)$682.74
Prepaid interest, first (1 days)$86.87
Fees + prepaids$22,209.86
Your down payment is the seller’s equity. You take over the $997,055 balance, so the rest of the $1,290,000 price is paid at closing. A second mortgage can cover part of it. $315,155.30 is due at closing. Uses and sources reconcile at $1,312,209.86 each. Not a Closing Disclosure.