Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$234,530Cash toward the purchase price.
Closing costs + prepaids$10,895Not just lender fees.
Before credits & paid funds$245,425The complete starting cash picture.
Estimated remaining funds due at closing
$245,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,530.23
Your down payment$234,530.23
Closing costs + prepaids$10,895.02
Total buyer cash needed$245,425.25
Remaining funds due$245,425.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$1,178.75
Initial HOA (3 months)$996.00
Prepaid interest, first (2 days)$5.27
Fees + prepaids$10,895.02
Your down payment is the seller’s equity. You take over the $14,470 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $245,425.25 is due at closing. Uses and sources reconcile at $259,895.02 each. Not a Closing Disclosure.