Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$234,785Cash toward the purchase price.
Closing costs + prepaids$14,114Not just lender fees.
Before credits & paid funds$248,899The complete starting cash picture.
Estimated remaining funds due at closing
$248,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,784.64
Your down payment$234,784.64
Closing costs + prepaids$14,114.36
Total buyer cash needed$248,899.00
Remaining funds due$248,899.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,645.75
Prepaid interest, first (25 days)$643.61
Fees + prepaids$14,114.36
Your down payment is the seller’s equity. You take over the $300,215 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $248,899.00 is due at closing. Uses and sources reconcile at $549,114.36 each. Not a Closing Disclosure.