Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,158Cash toward the purchase price.
Closing costs + prepaids$10,582Not just lender fees.
Before credits & paid funds$296,739The complete starting cash picture.
Estimated remaining funds due at closing
$296,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,157.53
Your down payment$286,157.53
Closing costs + prepaids$10,581.90
Total buyer cash needed$296,739.42
Remaining funds due$296,739.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$335.25
Prepaid interest, first (1 days)$21.65
Fees + prepaids$10,581.90
Your down payment is the seller’s equity. You take over the $113,842 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $296,739.42 is due at closing. Uses and sources reconcile at $410,581.90 each. Not a Closing Disclosure.