Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$224,752Cash toward the purchase price.
Closing costs + prepaids$13,354Not just lender fees.
Before credits & paid funds$238,106The complete starting cash picture.
Estimated remaining funds due at closing
$238,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,751.94
Your down payment$224,751.94
Closing costs + prepaids$13,353.77
Total buyer cash needed$238,105.71
Remaining funds due$238,105.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$1,012.75
Prepaid interest, first (22 days)$717.02
Fees + prepaids$13,353.77
Your down payment is the seller’s equity. You take over the $290,148 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $238,105.71 is due at closing. Uses and sources reconcile at $528,253.77 each. Not a Closing Disclosure.