Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$204,566Cash toward the purchase price.
Closing costs + prepaids$11,717Not just lender fees.
Before credits & paid funds$216,283The complete starting cash picture.
Estimated remaining funds due at closing
$216,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,566.33
Your down payment$204,566.33
Closing costs + prepaids$11,716.64
Total buyer cash needed$216,282.98
Remaining funds due$216,282.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.28
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$218.25
Prepaid interest, first (1 days)$24.11
Fees + prepaids$11,716.64
Your down payment is the seller’s equity. You take over the $295,362 balance, so the rest of the $499,928 price is paid at closing. A second mortgage can cover part of it. $216,282.98 is due at closing. Uses and sources reconcile at $511,644.64 each. Not a Closing Disclosure.