Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$200,558Cash toward the purchase price.
Closing costs + prepaids$11,149Not just lender fees.
Before credits & paid funds$211,707The complete starting cash picture.
Estimated remaining funds due at closing
$211,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,557.57
Your down payment$200,557.57
Closing costs + prepaids$11,149.15
Total buyer cash needed$211,706.72
Remaining funds due$211,706.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,275.00
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)$630.50
Prepaid interest, first (1 days)$18.65
Fees + prepaids$11,149.15
Your down payment is the seller’s equity. You take over the $226,942 balance, so the rest of the $427,500 price is paid at closing. A second mortgage can cover part of it. $211,706.72 is due at closing. Uses and sources reconcile at $438,649.15 each. Not a Closing Disclosure.