Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$222,882Cash toward the purchase price.
Closing costs + prepaids$18,078Not just lender fees.
Before credits & paid funds$240,959The complete starting cash picture.
Estimated remaining funds due at closing
$240,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,881.88
Your down payment$222,881.88
Closing costs + prepaids$18,077.57
Total buyer cash needed$240,959.45
Remaining funds due$240,959.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,124.75
Prepaid interest, first (2 days)$228.82
Fees + prepaids$18,077.57
Your down payment is the seller’s equity. You take over the $627,018 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $240,959.45 is due at closing. Uses and sources reconcile at $867,977.57 each. Not a Closing Disclosure.