Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$4,598Cash toward the purchase price.
Closing costs + prepaids$9,002Not just lender fees.
Before credits & paid funds$13,599The complete starting cash picture.
Estimated remaining funds due at closing
$13,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,597.53
Your down payment$4,597.53
Closing costs + prepaids$9,001.59
Total buyer cash needed$13,599.12
Remaining funds due$13,599.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$261.00
Initial HOA (3 months)$174.00
Prepaid interest, first (1 days)$42.59
Fees + prepaids$9,001.59
Your down payment is the seller’s equity. You take over the $225,302 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $13,599.12 is due at closing. Uses and sources reconcile at $238,901.59 each. Not a Closing Disclosure.