Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$217,640Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$229,117The complete starting cash picture.
Estimated remaining funds due at closing
$229,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,640.44
Your down payment$217,640.44
Closing costs + prepaids$11,476.24
Total buyer cash needed$229,116.69
Remaining funds due$229,116.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
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)$242.00
Prepaid interest, first (1 days)$19.24
Fees + prepaids$11,476.24
Your down payment is the seller’s equity. You take over the $256,360 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $229,116.69 is due at closing. Uses and sources reconcile at $485,476.24 each. Not a Closing Disclosure.