Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$230,583Cash toward the purchase price.
Closing costs + prepaids$20,797Not just lender fees.
Before credits & paid funds$251,380The complete starting cash picture.
Estimated remaining funds due at closing
$251,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,583.14
Your down payment$230,583.14
Closing costs + prepaids$20,796.60
Total buyer cash needed$251,379.75
Remaining funds due$251,379.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,449.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,362.50
Prepaid interest, first (28 days)$1,759.20
Fees + prepaids$20,796.60
Your down payment is the seller’s equity. You take over the $714,407 balance, so the rest of the $944,990 price is paid at closing. A second mortgage can cover part of it. $251,379.75 is due at closing. Uses and sources reconcile at $965,786.60 each. Not a Closing Disclosure.