Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,515Cash toward the purchase price.
Closing costs + prepaids$9,203Not just lender fees.
Before credits & paid funds$26,718The complete starting cash picture.
Estimated remaining funds due at closing
$26,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,514.90
Your down payment$17,514.90
Closing costs + prepaids$9,202.63
Total buyer cash needed$26,717.52
Remaining funds due$26,717.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$179.50
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$19.13
Fees + prepaids$9,202.63
Your down payment is the seller’s equity. You take over the $227,385 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $26,717.52 is due at closing. Uses and sources reconcile at $254,102.63 each. Not a Closing Disclosure.