Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,406Cash toward the purchase price.
Closing costs + prepaids$10,809Not just lender fees.
Before credits & paid funds$125,215The complete starting cash picture.
Estimated remaining funds due at closing
$125,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,406.13
Your down payment$114,406.13
Closing costs + prepaids$10,809.23
Total buyer cash needed$125,215.36
Remaining funds due$125,215.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$361.50
Prepaid interest, first (1 days)$52.73
Fees + prepaids$10,809.23
Your down payment is the seller’s equity. You take over the $302,594 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $125,215.36 is due at closing. Uses and sources reconcile at $427,809.23 each. Not a Closing Disclosure.