Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$280,979Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$292,087The complete starting cash picture.
Estimated remaining funds due at closing
$292,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,979.34
Your down payment$280,979.34
Closing costs + prepaids$11,107.79
Total buyer cash needed$292,087.13
Remaining funds due$292,087.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,430.00
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)$424.25
Prepaid interest, first (1 days)$28.54
Fees + prepaids$11,107.79
Your down payment is the seller’s equity. You take over the $162,021 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $292,087.13 is due at closing. Uses and sources reconcile at $454,107.79 each. Not a Closing Disclosure.