Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$243,118Cash toward the purchase price.
Closing costs + prepaids$11,023Not just lender fees.
Before credits & paid funds$254,140The complete starting cash picture.
Estimated remaining funds due at closing
$254,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,117.75
Your down payment$243,117.75
Closing costs + prepaids$11,022.57
Total buyer cash needed$254,140.32
Remaining funds due$254,140.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$633.50
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$14.07
Fees + prepaids$11,022.57
Your down payment is the seller’s equity. You take over the $141,882 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $254,140.32 is due at closing. Uses and sources reconcile at $396,022.57 each. Not a Closing Disclosure.