Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$237,611Cash toward the purchase price.
Closing costs + prepaids$13,224Not just lender fees.
Before credits & paid funds$250,834The complete starting cash picture.
Estimated remaining funds due at closing
$250,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,610.51
Your down payment$237,610.51
Closing costs + prepaids$13,223.61
Total buyer cash needed$250,834.12
Remaining funds due$250,834.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Prepaid interest, first (2 days)$61.11
Fees + prepaids$13,223.61
Your down payment is the seller’s equity. You take over the $297,389 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $250,834.12 is due at closing. Uses and sources reconcile at $548,223.61 each. Not a Closing Disclosure.