Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,678Cash toward the purchase price.
Closing costs + prepaids$10,366Not just lender fees.
Before credits & paid funds$233,044The complete starting cash picture.
Estimated remaining funds due at closing
$233,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,678.15
Your down payment$222,678.15
Closing costs + prepaids$10,366.28
Total buyer cash needed$233,044.43
Remaining funds due$233,044.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,676.30
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)$448.50
Prepaid interest, first (1 days)$16.48
Fees + prepaids$10,366.28
Your down payment is the seller’s equity. You take over the $144,952 balance, so the rest of the $367,630 price is paid at closing. A second mortgage can cover part of it. $233,044.43 is due at closing. Uses and sources reconcile at $377,996.28 each. Not a Closing Disclosure.