Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$253,233Cash toward the purchase price.
Closing costs + prepaids$11,333Not just lender fees.
Before credits & paid funds$264,566The complete starting cash picture.
Estimated remaining funds due at closing
$264,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,232.82
Your down payment$253,232.82
Closing costs + prepaids$11,333.46
Total buyer cash needed$264,566.27
Remaining funds due$264,566.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$893.75
Initial HOA (3 months)$1,260.00
Prepaid interest, first (1 days)$5.71
Fees + prepaids$11,333.46
Your down payment is the seller’s equity. You take over the $41,667 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $264,566.27 is due at closing. Uses and sources reconcile at $306,233.46 each. Not a Closing Disclosure.