Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,206Cash toward the purchase price.
Closing costs + prepaids$9,497Not just lender fees.
Before credits & paid funds$295,703The complete starting cash picture.
Estimated remaining funds due at closing
$295,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,206.01
Your down payment$286,206.01
Closing costs + prepaids$9,496.85
Total buyer cash needed$295,702.86
Remaining funds due$295,702.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$110.50
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$1.35
Fees + prepaids$9,496.85
Your down payment is the seller’s equity. You take over the $8,794 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $295,702.86 is due at closing. Uses and sources reconcile at $304,496.85 each. Not a Closing Disclosure.