Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$228,000Cash toward the purchase price.
Closing costs + prepaids$9,555Not just lender fees.
Before credits & paid funds$237,556The complete starting cash picture.
Estimated remaining funds due at closing
$237,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,000.28
Your down payment$228,000.28
Closing costs + prepaids$9,555.32
Total buyer cash needed$237,555.60
Remaining funds due$237,555.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$327.25
Prepaid interest, first (1 days)$13.07
Fees + prepaids$9,555.32
Your down payment is the seller’s equity. You take over the $71,000 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $237,555.60 is due at closing. Uses and sources reconcile at $308,555.32 each. Not a Closing Disclosure.