Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$240,189Cash toward the purchase price.
Closing costs + prepaids$10,395Not just lender fees.
Before credits & paid funds$250,584The complete starting cash picture.
Estimated remaining funds due at closing
$250,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,188.52
Your down payment$240,188.52
Closing costs + prepaids$10,395.34
Total buyer cash needed$250,583.86
Remaining funds due$250,583.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.98
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)$307.00
Initial HOA (3 months)$600.00
Prepaid interest, first (1 days)$13.36
Fees + prepaids$10,395.34
Your down payment is the seller’s equity. You take over the $84,809 balance, so the rest of the $324,998 price is paid at closing. A second mortgage can cover part of it. $250,583.86 is due at closing. Uses and sources reconcile at $335,393.34 each. Not a Closing Disclosure.