Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$244,580Cash toward the purchase price.
Closing costs + prepaids$10,286Not just lender fees.
Before credits & paid funds$254,867The complete starting cash picture.
Estimated remaining funds due at closing
$254,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,580.08
Your down payment$244,580.08
Closing costs + prepaids$10,286.42
Total buyer cash needed$254,866.50
Remaining funds due$254,866.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$357.75
Prepaid interest, first (1 days)$13.67
Fees + prepaids$10,286.42
Your down payment is the seller’s equity. You take over the $124,420 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $254,866.50 is due at closing. Uses and sources reconcile at $379,286.42 each. Not a Closing Disclosure.