Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$227,494Cash toward the purchase price.
Closing costs + prepaids$14,030Not just lender fees.
Before credits & paid funds$241,524The complete starting cash picture.
Estimated remaining funds due at closing
$241,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,493.55
Your down payment$227,493.55
Closing costs + prepaids$14,030.21
Total buyer cash needed$241,523.76
Remaining funds due$241,523.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$737.50
Initial HOA (3 months)$36.00
Prepaid interest, first (1 days)$81.71
Fees + prepaids$14,030.21
Your down payment is the seller’s equity. You take over the $442,506 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $241,523.76 is due at closing. Uses and sources reconcile at $684,030.21 each. Not a Closing Disclosure.