Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$227,369Cash toward the purchase price.
Closing costs + prepaids$9,409Not just lender fees.
Before credits & paid funds$236,778The complete starting cash picture.
Estimated remaining funds due at closing
$236,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,368.59
Your down payment$227,368.59
Closing costs + prepaids$9,409.40
Total buyer cash needed$236,777.99
Remaining funds due$236,777.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$833.00
Prepaid interest, first (1 days)$1.40
Fees + prepaids$9,409.40
Your down payment is the seller’s equity. You take over the $7,631 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $236,777.99 is due at closing. Uses and sources reconcile at $244,409.40 each. Not a Closing Disclosure.