Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$3,987Cash toward the purchase price.
Closing costs + prepaids$9,350Not just lender fees.
Before credits & paid funds$13,337The complete starting cash picture.
Estimated remaining funds due at closing
$13,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,987.10
Your down payment$3,987.10
Closing costs + prepaids$9,349.72
Total buyer cash needed$13,336.83
Remaining funds due$13,336.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,410.00
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)$128.75
Prepaid interest, first (24 days)$585.97
Fees + prepaids$9,349.72
Your down payment is the seller’s equity. You take over the $237,013 balance, so the rest of the $241,000 price is paid at closing. A second mortgage can cover part of it. $13,336.83 is due at closing. Uses and sources reconcile at $250,349.72 each. Not a Closing Disclosure.