Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$261,045Cash toward the purchase price.
Closing costs + prepaids$11,561Not just lender fees.
Before credits & paid funds$272,606The complete starting cash picture.
Estimated remaining funds due at closing
$272,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,045.00
Your down payment$261,045.00
Closing costs + prepaids$11,561.18
Total buyer cash needed$272,606.18
Remaining funds due$272,606.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$80.50
Prepaid interest, first (1 days)$35.68
Fees + prepaids$11,561.18
Your down payment is the seller’s equity. You take over the $235,955 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $272,606.18 is due at closing. Uses and sources reconcile at $508,561.18 each. Not a Closing Disclosure.