Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,975Cash toward the purchase price.
Closing costs + prepaids$9,952Not just lender fees.
Before credits & paid funds$244,927The complete starting cash picture.
Estimated remaining funds due at closing
$244,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,974.78
Your down payment$234,974.78
Closing costs + prepaids$9,952.09
Total buyer cash needed$244,926.87
Remaining funds due$244,926.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$291.25
Initial HOA (3 months)$915.00
Prepaid interest, first (23 days)$30.84
Fees + prepaids$9,952.09
Your down payment is the seller’s equity. You take over the $14,025 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $244,926.87 is due at closing. Uses and sources reconcile at $258,952.09 each. Not a Closing Disclosure.