Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$231,628Cash toward the purchase price.
Closing costs + prepaids$9,380Not just lender fees.
Before credits & paid funds$241,008The complete starting cash picture.
Estimated remaining funds due at closing
$241,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,628.13
Your down payment$231,628.13
Closing costs + prepaids$9,380.13
Total buyer cash needed$241,008.26
Remaining funds due$241,008.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$250.75
Prepaid interest, first (1 days)$5.38
Fees + prepaids$9,380.13
Your down payment is the seller’s equity. You take over the $58,272 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $241,008.26 is due at closing. Uses and sources reconcile at $299,280.13 each. Not a Closing Disclosure.