Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$232,399Cash toward the purchase price.
Closing costs + prepaids$9,750Not just lender fees.
Before credits & paid funds$242,149The complete starting cash picture.
Estimated remaining funds due at closing
$242,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,399.46
Your down payment$232,399.46
Closing costs + prepaids$9,749.99
Total buyer cash needed$242,149.45
Remaining funds due$242,149.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,870.00
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)$304.75
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$5.24
Fees + prepaids$9,749.99
Your down payment is the seller’s equity. You take over the $54,601 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $242,149.45 is due at closing. Uses and sources reconcile at $296,749.99 each. Not a Closing Disclosure.