Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$221,570Cash toward the purchase price.
Closing costs + prepaids$9,493Not just lender fees.
Before credits & paid funds$231,063The complete starting cash picture.
Estimated remaining funds due at closing
$231,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,569.83
Your down payment$221,569.83
Closing costs + prepaids$9,493.24
Total buyer cash needed$231,063.06
Remaining funds due$231,063.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$663.25
Prepaid interest, first (1 days)$5.99
Fees + prepaids$9,493.24
Your down payment is the seller’s equity. You take over the $38,330 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $231,063.06 is due at closing. Uses and sources reconcile at $269,393.24 each. Not a Closing Disclosure.