Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,420Cash toward the purchase price.
Closing costs + prepaids$10,305Not just lender fees.
Before credits & paid funds$244,725The complete starting cash picture.
Estimated remaining funds due at closing
$244,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,420.38
Your down payment$234,420.38
Closing costs + prepaids$10,304.60
Total buyer cash needed$244,724.99
Remaining funds due$244,724.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.90
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)$401.75
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$12.95
Fees + prepaids$10,304.60
Your down payment is the seller’s equity. You take over the $94,570 balance, so the rest of the $328,990 price is paid at closing. A second mortgage can cover part of it. $244,724.99 is due at closing. Uses and sources reconcile at $339,294.60 each. Not a Closing Disclosure.