Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$220,665Cash toward the purchase price.
Closing costs + prepaids$11,594Not just lender fees.
Before credits & paid funds$232,258The complete starting cash picture.
Estimated remaining funds due at closing
$232,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,664.60
Your down payment$220,664.60
Closing costs + prepaids$11,593.62
Total buyer cash needed$232,258.22
Remaining funds due$232,258.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.90
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)$346.00
Prepaid interest, first (1 days)$22.72
Fees + prepaids$11,593.62
Your down payment is the seller’s equity. You take over the $254,325 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $232,258.22 is due at closing. Uses and sources reconcile at $486,583.62 each. Not a Closing Disclosure.