Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$8,543Cash toward the purchase price.
Closing costs + prepaids$10,143Not just lender fees.
Before credits & paid funds$18,687The complete starting cash picture.
Estimated remaining funds due at closing
$18,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,543.25
Your down payment$8,543.25
Closing costs + prepaids$10,143.33
Total buyer cash needed$18,686.57
Remaining funds due$18,686.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$373.50
Prepaid interest, first (26 days)$1,094.83
Fees + prepaids$10,143.33
Your down payment is the seller’s equity. You take over the $236,457 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $18,686.57 is due at closing. Uses and sources reconcile at $255,143.33 each. Not a Closing Disclosure.