Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$236,669Cash toward the purchase price.
Closing costs + prepaids$12,690Not just lender fees.
Before credits & paid funds$249,359The complete starting cash picture.
Estimated remaining funds due at closing
$249,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,669.16
Your down payment$236,669.16
Closing costs + prepaids$12,689.88
Total buyer cash needed$249,359.03
Remaining funds due$249,359.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.90
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)$2,010.75
Initial HOA (3 months)$37.74
Prepaid interest, first (1 days)$16.49
Fees + prepaids$12,689.88
Your down payment is the seller’s equity. You take over the $203,321 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $249,359.03 is due at closing. Uses and sources reconcile at $452,679.88 each. Not a Closing Disclosure.