Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$233,865Cash toward the purchase price.
Closing costs + prepaids$11,499Not just lender fees.
Before credits & paid funds$245,364The complete starting cash picture.
Estimated remaining funds due at closing
$245,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,865.22
Your down payment$233,865.22
Closing costs + prepaids$11,498.91
Total buyer cash needed$245,364.14
Remaining funds due$245,364.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,269.99
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)$575.75
Prepaid interest, first (28 days)$428.17
Fees + prepaids$11,498.91
Your down payment is the seller’s equity. You take over the $193,134 balance, so the rest of the $426,999 price is paid at closing. A second mortgage can cover part of it. $245,364.14 is due at closing. Uses and sources reconcile at $438,497.91 each. Not a Closing Disclosure.