Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$236,509Cash toward the purchase price.
Closing costs + prepaids$9,271Not just lender fees.
Before credits & paid funds$245,780The complete starting cash picture.
Estimated remaining funds due at closing
$245,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,509.41
Your down payment$236,509.41
Closing costs + prepaids$9,270.75
Total buyer cash needed$245,780.17
Remaining funds due$245,780.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,430.00
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)$583.25
Prepaid interest, first (27 days)$32.50
Fees + prepaids$9,270.75
Your down payment is the seller’s equity. You take over the $6,491 balance, so the rest of the $243,000 price is paid at closing. A second mortgage can cover part of it. $245,780.17 is due at closing. Uses and sources reconcile at $252,270.75 each. Not a Closing Disclosure.