Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$248,899Cash toward the purchase price.
Closing costs + prepaids$10,157Not just lender fees.
Before credits & paid funds$259,057The complete starting cash picture.
Estimated remaining funds due at closing
$259,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,899.20
Your down payment$248,899.20
Closing costs + prepaids$10,157.40
Total buyer cash needed$259,056.60
Remaining funds due$259,056.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$553.25
Prepaid interest, first (1 days)$9.15
Fees + prepaids$10,157.40
Your down payment is the seller’s equity. You take over the $88,101 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $259,056.60 is due at closing. Uses and sources reconcile at $347,157.40 each. Not a Closing Disclosure.