Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$278,927Cash toward the purchase price.
Closing costs + prepaids$11,018Not just lender fees.
Before credits & paid funds$289,945The complete starting cash picture.
Estimated remaining funds due at closing
$289,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,926.74
Your down payment$278,926.74
Closing costs + prepaids$11,018.44
Total buyer cash needed$289,945.18
Remaining funds due$289,945.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$331.25
Prepaid interest, first (1 days)$13.19
Fees + prepaids$11,018.44
Your down payment is the seller’s equity. You take over the $165,973 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $289,945.18 is due at closing. Uses and sources reconcile at $455,918.44 each. Not a Closing Disclosure.