Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,659Cash toward the purchase price.
Closing costs + prepaids$9,724Not just lender fees.
Before credits & paid funds$35,383The complete starting cash picture.
Estimated remaining funds due at closing
$35,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,658.80
Your down payment$25,658.80
Closing costs + prepaids$9,723.93
Total buyer cash needed$35,382.73
Remaining funds due$35,382.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,210.00
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)$233.75
Prepaid interest, first (1 days)$55.18
Fees + prepaids$9,723.93
Your down payment is the seller’s equity. You take over the $295,341 balance, so the rest of the $321,000 price is paid at closing. A second mortgage can cover part of it. $35,382.73 is due at closing. Uses and sources reconcile at $330,723.93 each. Not a Closing Disclosure.