Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$227,830Cash toward the purchase price.
Closing costs + prepaids$8,775Not just lender fees.
Before credits & paid funds$236,605The complete starting cash picture.
Estimated remaining funds due at closing
$236,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,829.84
Your down payment$227,829.84
Closing costs + prepaids$8,775.21
Total buyer cash needed$236,605.05
Remaining funds due$236,605.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$98.75
Prepaid interest, first (1 days)$1.46
Fees + prepaids$8,775.21
Your down payment is the seller’s equity. You take over the $17,170 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $236,605.05 is due at closing. Uses and sources reconcile at $253,775.21 each. Not a Closing Disclosure.