Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,206Cash toward the purchase price.
Closing costs + prepaids$9,814Not just lender fees.
Before credits & paid funds$34,020The complete starting cash picture.
Estimated remaining funds due at closing
$34,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,205.94
Your down payment$24,205.94
Closing costs + prepaids$9,813.87
Total buyer cash needed$34,019.82
Remaining funds due$34,019.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$449.25
Prepaid interest, first (1 days)$49.62
Fees + prepaids$9,813.87
Your down payment is the seller’s equity. You take over the $284,794 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $34,019.82 is due at closing. Uses and sources reconcile at $318,813.87 each. Not a Closing Disclosure.