Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$225,830Cash toward the purchase price.
Closing costs + prepaids$9,571Not just lender fees.
Before credits & paid funds$235,401The complete starting cash picture.
Estimated remaining funds due at closing
$235,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,829.68
Your down payment$225,829.68
Closing costs + prepaids$9,571.02
Total buyer cash needed$235,400.70
Remaining funds due$235,400.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$231.25
Prepaid interest, first (27 days)$224.77
Fees + prepaids$9,571.02
Your down payment is the seller’s equity. You take over the $63,170 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $235,400.70 is due at closing. Uses and sources reconcile at $298,571.02 each. Not a Closing Disclosure.