Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,546Cash toward the purchase price.
Closing costs + prepaids$8,838Not just lender fees.
Before credits & paid funds$30,384The complete starting cash picture.
Estimated remaining funds due at closing
$30,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,545.86
Your down payment$21,545.86
Closing costs + prepaids$8,837.76
Total buyer cash needed$30,383.62
Remaining funds due$30,383.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,360.00
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)$236.25
Prepaid interest, first (1 days)$16.51
Fees + prepaids$8,837.76
Your down payment is the seller’s equity. You take over the $214,454 balance, so the rest of the $236,000 price is paid at closing. A second mortgage can cover part of it. $30,383.62 is due at closing. Uses and sources reconcile at $244,837.76 each. Not a Closing Disclosure.