Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$296,180Cash toward the purchase price.
Closing costs + prepaids$10,416Not just lender fees.
Before credits & paid funds$306,596The complete starting cash picture.
Estimated remaining funds due at closing
$306,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,179.60
Your down payment$296,179.60
Closing costs + prepaids$10,416.13
Total buyer cash needed$306,595.73
Remaining funds due$306,595.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$534.00
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$7.13
Fees + prepaids$10,416.13
Your down payment is the seller’s equity. You take over the $50,820 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $306,595.73 is due at closing. Uses and sources reconcile at $357,416.13 each. Not a Closing Disclosure.