Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$267,362Cash toward the purchase price.
Closing costs + prepaids$14,054Not just lender fees.
Before credits & paid funds$281,415The complete starting cash picture.
Estimated remaining funds due at closing
$281,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,361.71
Your down payment$267,361.71
Closing costs + prepaids$14,053.53
Total buyer cash needed$281,415.24
Remaining funds due$281,415.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,550.00
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)$883.00
Initial HOA (3 months)$76.50
Prepaid interest, first (1 days)$69.03
Fees + prepaids$14,053.53
Your down payment is the seller’s equity. You take over the $387,638 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $281,415.24 is due at closing. Uses and sources reconcile at $669,053.53 each. Not a Closing Disclosure.