Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,703Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$246,617The complete starting cash picture.
Estimated remaining funds due at closing
$246,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,702.62
Your down payment$234,702.62
Closing costs + prepaids$11,914.50
Total buyer cash needed$246,617.12
Remaining funds due$246,617.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,059.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$356.50
Prepaid interest, first (1 days)$24.00
Fees + prepaids$11,914.50
Your down payment is the seller’s equity. You take over the $271,197 balance, so the rest of the $505,900 price is paid at closing. A second mortgage can cover part of it. $246,617.12 is due at closing. Uses and sources reconcile at $517,814.50 each. Not a Closing Disclosure.