Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$224,548Cash toward the purchase price.
Closing costs + prepaids$10,850Not just lender fees.
Before credits & paid funds$235,399The complete starting cash picture.
Estimated remaining funds due at closing
$235,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,548.22
Your down payment$224,548.22
Closing costs + prepaids$10,850.31
Total buyer cash needed$235,398.53
Remaining funds due$235,398.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$1,178.75
Initial HOA (3 months)$996.00
Prepaid interest, first (23 days)$60.56
Fees + prepaids$10,850.31
Your down payment is the seller’s equity. You take over the $14,452 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $235,398.53 is due at closing. Uses and sources reconcile at $249,850.31 each. Not a Closing Disclosure.