Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$200,280Cash toward the purchase price.
Closing costs + prepaids$9,283Not just lender fees.
Before credits & paid funds$209,563The complete starting cash picture.
Estimated remaining funds due at closing
$209,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,280.07
Your down payment$200,280.07
Closing costs + prepaids$9,282.61
Total buyer cash needed$209,562.69
Remaining funds due$209,562.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,880.00
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)$168.00
Prepaid interest, first (1 days)$9.61
Fees + prepaids$9,282.61
Your down payment is the seller’s equity. You take over the $87,720 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $209,562.69 is due at closing. Uses and sources reconcile at $297,282.61 each. Not a Closing Disclosure.