Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,131Cash toward the purchase price.
Closing costs + prepaids$20,514Not just lender fees.
Before credits & paid funds$254,645The complete starting cash picture.
Estimated remaining funds due at closing
$254,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,130.62
Your down payment$234,130.62
Closing costs + prepaids$20,514.47
Total buyer cash needed$254,645.08
Remaining funds due$254,645.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,187.50
Initial HOA (3 months)$2,241.00
Prepaid interest, first (1 days)$110.97
Fees + prepaids$20,514.47
Your down payment is the seller’s equity. You take over the $640,869 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $254,645.08 is due at closing. Uses and sources reconcile at $895,514.47 each. Not a Closing Disclosure.