Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$276,660Cash toward the purchase price.
Closing costs + prepaids$10,906Not just lender fees.
Before credits & paid funds$287,566The complete starting cash picture.
Estimated remaining funds due at closing
$287,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,660.28
Your down payment$276,660.28
Closing costs + prepaids$10,906.13
Total buyer cash needed$287,566.40
Remaining funds due$287,566.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$314.25
Prepaid interest, first (1 days)$16.88
Fees + prepaids$10,906.13
Your down payment is the seller’s equity. You take over the $158,340 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $287,566.40 is due at closing. Uses and sources reconcile at $445,906.13 each. Not a Closing Disclosure.