Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,118Cash toward the purchase price.
Closing costs + prepaids$10,852Not just lender fees.
Before credits & paid funds$273,970The complete starting cash picture.
Estimated remaining funds due at closing
$273,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,118.19
Your down payment$263,118.19
Closing costs + prepaids$10,852.22
Total buyer cash needed$273,970.41
Remaining funds due$273,970.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,120.00
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)$402.25
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$14.97
Fees + prepaids$10,852.22
Your down payment is the seller’s equity. You take over the $148,882 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $273,970.41 is due at closing. Uses and sources reconcile at $422,852.22 each. Not a Closing Disclosure.