Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$233,253Cash toward the purchase price.
Closing costs + prepaids$8,575Not just lender fees.
Before credits & paid funds$241,828The complete starting cash picture.
Estimated remaining funds due at closing
$241,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,252.58
Your down payment$233,252.58
Closing costs + prepaids$8,575.37
Total buyer cash needed$241,827.95
Remaining funds due$241,827.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (1 days)$0.37
Fees + prepaids$8,575.37
Your down payment is the seller’s equity. You take over the $1,747 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $241,827.95 is due at closing. Uses and sources reconcile at $243,575.37 each. Not a Closing Disclosure.