Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,992Cash toward the purchase price.
Closing costs + prepaids$9,297Not just lender fees.
Before credits & paid funds$31,289The complete starting cash picture.
Estimated remaining funds due at closing
$31,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,992.43
Your down payment$21,992.43
Closing costs + prepaids$9,296.84
Total buyer cash needed$31,289.27
Remaining funds due$31,289.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$20.50
Prepaid interest, first (1 days)$51.34
Fees + prepaids$9,296.84
Your down payment is the seller’s equity. You take over the $278,008 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $31,289.27 is due at closing. Uses and sources reconcile at $309,296.84 each. Not a Closing Disclosure.