Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$224,124Cash toward the purchase price.
Closing costs + prepaids$9,365Not just lender fees.
Before credits & paid funds$233,488The complete starting cash picture.
Estimated remaining funds due at closing
$233,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,123.62
Your down payment$224,123.62
Closing costs + prepaids$9,364.50
Total buyer cash needed$233,488.12
Remaining funds due$233,488.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$322.00
Prepaid interest, first (26 days)$122.50
Fees + prepaids$9,364.50
Your down payment is the seller’s equity. You take over the $45,376 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $233,488.12 is due at closing. Uses and sources reconcile at $278,864.50 each. Not a Closing Disclosure.