Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$239,517Cash toward the purchase price.
Closing costs + prepaids$17,635Not just lender fees.
Before credits & paid funds$257,152The complete starting cash picture.
Estimated remaining funds due at closing
$257,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,517.11
Your down payment$239,517.11
Closing costs + prepaids$17,635.35
Total buyer cash needed$257,152.46
Remaining funds due$257,152.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$2,062.50
Prepaid interest, first (1 days)$97.85
Fees + prepaids$17,635.35
Your down payment is the seller’s equity. You take over the $585,483 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $257,152.46 is due at closing. Uses and sources reconcile at $842,635.35 each. Not a Closing Disclosure.