Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$239,343Cash toward the purchase price.
Closing costs + prepaids$18,737Not just lender fees.
Before credits & paid funds$258,081The complete starting cash picture.
Estimated remaining funds due at closing
$258,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,343.22
Your down payment$239,343.22
Closing costs + prepaids$18,737.44
Total buyer cash needed$258,080.66
Remaining funds due$258,080.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,741.75
Initial HOA (3 months)$18.75
Prepaid interest, first (2 days)$251.94
Fees + prepaids$18,737.44
Your down payment is the seller’s equity. You take over the $710,657 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $258,080.66 is due at closing. Uses and sources reconcile at $968,737.44 each. Not a Closing Disclosure.