Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,788Cash toward the purchase price.
Closing costs + prepaids$10,350Not just lender fees.
Before credits & paid funds$297,137The complete starting cash picture.
Estimated remaining funds due at closing
$297,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,787.57
Your down payment$286,787.57
Closing costs + prepaids$10,349.88
Total buyer cash needed$297,137.44
Remaining funds due$297,137.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$214.50
Prepaid interest, first (1 days)$10.38
Fees + prepaids$10,349.88
Your down payment is the seller’s equity. You take over the $103,212 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $297,137.44 is due at closing. Uses and sources reconcile at $400,349.88 each. Not a Closing Disclosure.