Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$230,103Cash toward the purchase price.
Closing costs + prepaids$13,968Not just lender fees.
Before credits & paid funds$244,071The complete starting cash picture.
Estimated remaining funds due at closing
$244,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,102.99
Your down payment$230,102.99
Closing costs + prepaids$13,968.33
Total buyer cash needed$244,071.33
Remaining funds due$244,071.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,458.00
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)$1,364.50
Prepaid interest, first (28 days)$670.83
Fees + prepaids$13,968.33
Your down payment is the seller’s equity. You take over the $315,697 balance, so the rest of the $545,800 price is paid at closing. A second mortgage can cover part of it. $244,071.33 is due at closing. Uses and sources reconcile at $559,768.33 each. Not a Closing Disclosure.