Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$299,280Cash toward the purchase price.
Closing costs + prepaids$11,984Not just lender fees.
Before credits & paid funds$311,264The complete starting cash picture.
Estimated remaining funds due at closing
$311,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,279.85
Your down payment$299,279.85
Closing costs + prepaids$11,984.13
Total buyer cash needed$311,263.98
Remaining funds due$311,263.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$494.25
Prepaid interest, first (1 days)$15.88
Fees + prepaids$11,984.13
Your down payment is the seller’s equity. You take over the $200,620 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $311,263.98 is due at closing. Uses and sources reconcile at $511,884.13 each. Not a Closing Disclosure.