Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$272,965Cash toward the purchase price.
Closing costs + prepaids$17,225Not just lender fees.
Before credits & paid funds$290,190The complete starting cash picture.
Estimated remaining funds due at closing
$290,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,965.14
Your down payment$272,965.14
Closing costs + prepaids$17,225.03
Total buyer cash needed$290,190.17
Remaining funds due$290,190.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,070.25
Initial HOA (3 months)$180.51
Prepaid interest, first (1 days)$99.27
Fees + prepaids$17,225.03
Your down payment is the seller’s equity. You take over the $592,035 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $290,190.17 is due at closing. Uses and sources reconcile at $882,225.03 each. Not a Closing Disclosure.