Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$243,299Cash toward the purchase price.
Closing costs + prepaids$19,213Not just lender fees.
Before credits & paid funds$262,512The complete starting cash picture.
Estimated remaining funds due at closing
$262,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,298.53
Your down payment$243,298.53
Closing costs + prepaids$19,213.17
Total buyer cash needed$262,511.70
Remaining funds due$262,511.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,490.00
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)$2,372.50
Prepaid interest, first (1 days)$125.67
Fees + prepaids$19,213.17
Your down payment is the seller’s equity. You take over the $705,701 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $262,511.70 is due at closing. Uses and sources reconcile at $968,213.17 each. Not a Closing Disclosure.