Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,499Cash toward the purchase price.
Closing costs + prepaids$11,066Not just lender fees.
Before credits & paid funds$245,566The complete starting cash picture.
Estimated remaining funds due at closing
$245,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,499.24
Your down payment$234,499.24
Closing costs + prepaids$11,066.35
Total buyer cash needed$245,565.58
Remaining funds due$245,565.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$453.75
Initial HOA (3 months)$675.00
Prepaid interest, first (1 days)$12.70
Fees + prepaids$11,066.35
Your down payment is the seller’s equity. You take over the $135,491 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $245,565.58 is due at closing. Uses and sources reconcile at $381,056.35 each. Not a Closing Disclosure.