Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,047Cash toward the purchase price.
Closing costs + prepaids$10,498Not just lender fees.
Before credits & paid funds$27,544The complete starting cash picture.
Estimated remaining funds due at closing
$27,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,046.56
Your down payment$17,046.56
Closing costs + prepaids$10,497.83
Total buyer cash needed$27,544.39
Remaining funds due$27,544.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$703.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (1 days)$40.83
Fees + prepaids$10,497.83
Your down payment is the seller’s equity. You take over the $227,853 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $27,544.39 is due at closing. Uses and sources reconcile at $255,397.83 each. Not a Closing Disclosure.