Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$240,437Cash toward the purchase price.
Closing costs + prepaids$10,002Not just lender fees.
Before credits & paid funds$250,439The complete starting cash picture.
Estimated remaining funds due at closing
$250,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,436.76
Your down payment$240,436.76
Closing costs + prepaids$10,001.99
Total buyer cash needed$250,438.75
Remaining funds due$250,438.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,470.00
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)$1,005.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$1.24
Fees + prepaids$10,001.99
Your down payment is the seller’s equity. You take over the $6,563 balance, so the rest of the $247,000 price is paid at closing. A second mortgage can cover part of it. $250,438.75 is due at closing. Uses and sources reconcile at $257,001.99 each. Not a Closing Disclosure.