Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$232,532Cash toward the purchase price.
Closing costs + prepaids$9,146Not just lender fees.
Before credits & paid funds$241,677The complete starting cash picture.
Estimated remaining funds due at closing
$241,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,531.58
Your down payment$232,531.58
Closing costs + prepaids$9,145.74
Total buyer cash needed$241,677.32
Remaining funds due$241,677.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$264.50
Prepaid interest, first (1 days)$6.24
Fees + prepaids$9,145.74
Your down payment is the seller’s equity. You take over the $32,468 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $241,677.32 is due at closing. Uses and sources reconcile at $274,145.74 each. Not a Closing Disclosure.