Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$298,311Cash toward the purchase price.
Closing costs + prepaids$10,955Not just lender fees.
Before credits & paid funds$309,266The complete starting cash picture.
Estimated remaining funds due at closing
$309,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,311.05
Your down payment$298,311.05
Closing costs + prepaids$10,955.45
Total buyer cash needed$309,266.50
Remaining funds due$309,266.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,630.00
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)$341.50
Initial HOA (3 months)$750.00
Prepaid interest, first (1 days)$8.95
Fees + prepaids$10,955.45
Your down payment is the seller’s equity. You take over the $64,689 balance, so the rest of the $363,000 price is paid at closing. A second mortgage can cover part of it. $309,266.50 is due at closing. Uses and sources reconcile at $373,955.45 each. Not a Closing Disclosure.