Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$232,748Cash toward the purchase price.
Closing costs + prepaids$8,841Not just lender fees.
Before credits & paid funds$241,589The complete starting cash picture.
Estimated remaining funds due at closing
$241,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,748.33
Your down payment$232,748.33
Closing costs + prepaids$8,840.61
Total buyer cash needed$241,588.94
Remaining funds due$241,588.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$163.50
Prepaid interest, first (1 days)$2.11
Fees + prepaids$8,840.61
Your down payment is the seller’s equity. You take over the $12,252 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $241,588.94 is due at closing. Uses and sources reconcile at $253,840.61 each. Not a Closing Disclosure.