Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$225,730Cash toward the purchase price.
Closing costs + prepaids$9,686Not just lender fees.
Before credits & paid funds$235,416The complete starting cash picture.
Estimated remaining funds due at closing
$235,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,729.59
Your down payment$225,729.59
Closing costs + prepaids$9,686.25
Total buyer cash needed$235,415.84
Remaining funds due$235,415.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$444.25
Prepaid interest, first (2 days)$18.00
Fees + prepaids$9,686.25
Your down payment is the seller’s equity. You take over the $74,170 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $235,415.84 is due at closing. Uses and sources reconcile at $309,586.25 each. Not a Closing Disclosure.