Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$223,894Cash toward the purchase price.
Closing costs + prepaids$11,871Not just lender fees.
Before credits & paid funds$235,765The complete starting cash picture.
Estimated remaining funds due at closing
$235,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,893.70
Your down payment$223,893.70
Closing costs + prepaids$11,871.24
Total buyer cash needed$235,764.95
Remaining funds due$235,764.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$368.50
Initial HOA (3 months)$258.00
Prepaid interest, first (1 days)$19.74
Fees + prepaids$11,871.24
Your down payment is the seller’s equity. You take over the $251,106 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $235,764.95 is due at closing. Uses and sources reconcile at $486,871.24 each. Not a Closing Disclosure.