Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,297Cash toward the purchase price.
Closing costs + prepaids$9,410Not just lender fees.
Before credits & paid funds$56,707The complete starting cash picture.
Estimated remaining funds due at closing
$56,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,296.81
Your down payment$47,296.81
Closing costs + prepaids$9,409.71
Total buyer cash needed$56,706.53
Remaining funds due$56,706.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$238.50
Prepaid interest, first (1 days)$46.21
Fees + prepaids$9,409.71
Your down payment is the seller’s equity. You take over the $242,703 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $56,706.53 is due at closing. Uses and sources reconcile at $299,409.71 each. Not a Closing Disclosure.