Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,013Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$245,316The complete starting cash picture.
Estimated remaining funds due at closing
$245,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,013.43
Your down payment$234,013.43
Closing costs + prepaids$11,302.92
Total buyer cash needed$245,316.34
Remaining funds due$245,316.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$641.50
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$16.42
Fees + prepaids$11,302.92
Your down payment is the seller’s equity. You take over the $165,987 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $245,316.34 is due at closing. Uses and sources reconcile at $411,302.92 each. Not a Closing Disclosure.