Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$295,401Cash toward the purchase price.
Closing costs + prepaids$10,439Not just lender fees.
Before credits & paid funds$305,840The complete starting cash picture.
Estimated remaining funds due at closing
$305,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,400.80
Your down payment$295,400.80
Closing costs + prepaids$10,438.99
Total buyer cash needed$305,839.79
Remaining funds due$305,839.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$333.25
Prepaid interest, first (1 days)$10.74
Fees + prepaids$10,438.99
Your down payment is the seller’s equity. You take over the $91,599 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $305,839.79 is due at closing. Uses and sources reconcile at $397,438.99 each. Not a Closing Disclosure.