Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$257,820Cash toward the purchase price.
Closing costs + prepaids$12,578Not just lender fees.
Before credits & paid funds$270,398The complete starting cash picture.
Estimated remaining funds due at closing
$270,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,819.98
Your down payment$257,819.98
Closing costs + prepaids$12,577.81
Total buyer cash needed$270,397.78
Remaining funds due$270,397.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$981.50
Prepaid interest, first (1 days)$22.31
Fees + prepaids$12,577.81
Your down payment is the seller’s equity. You take over the $252,080 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $270,397.78 is due at closing. Uses and sources reconcile at $522,477.81 each. Not a Closing Disclosure.