Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$231,742Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$244,281The complete starting cash picture.
Estimated remaining funds due at closing
$244,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,742.31
Your down payment$231,742.31
Closing costs + prepaids$12,538.91
Total buyer cash needed$244,281.22
Remaining funds due$244,281.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$269.50
Prepaid interest, first (22 days)$544.41
Fees + prepaids$12,538.91
Your down payment is the seller’s equity. You take over the $293,258 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $244,281.22 is due at closing. Uses and sources reconcile at $537,538.91 each. Not a Closing Disclosure.