Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$281,248Cash toward the purchase price.
Closing costs + prepaids$9,934Not just lender fees.
Before credits & paid funds$291,182The complete starting cash picture.
Estimated remaining funds due at closing
$291,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,247.83
Your down payment$281,247.83
Closing costs + prepaids$9,934.09
Total buyer cash needed$291,181.92
Remaining funds due$291,181.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$287.75
Initial HOA (3 months)$114.00
Prepaid interest, first (1 days)$7.35
Fees + prepaids$9,934.09
Your down payment is the seller’s equity. You take over the $48,751 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $291,181.92 is due at closing. Uses and sources reconcile at $339,933.09 each. Not a Closing Disclosure.