Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,240Cash toward the purchase price.
Closing costs + prepaids$8,983Not just lender fees.
Before credits & paid funds$69,223The complete starting cash picture.
Estimated remaining funds due at closing
$69,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,239.64
Your down payment$60,239.64
Closing costs + prepaids$8,983.19
Total buyer cash needed$69,222.83
Remaining funds due$69,222.83
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)$78.50
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$19.69
Fees + prepaids$8,983.19
Your down payment is the seller’s equity. You take over the $184,760 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $69,222.83 is due at closing. Uses and sources reconcile at $253,983.19 each. Not a Closing Disclosure.