Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$204,887Cash toward the purchase price.
Closing costs + prepaids$9,284Not just lender fees.
Before credits & paid funds$214,172The complete starting cash picture.
Estimated remaining funds due at closing
$214,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,887.24
Your down payment$204,887.24
Closing costs + prepaids$9,284.30
Total buyer cash needed$214,171.53
Remaining funds due$214,171.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,340.00
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)$598.25
Prepaid interest, first (28 days)$121.05
Fees + prepaids$9,284.30
Your down payment is the seller’s equity. You take over the $29,113 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $214,171.53 is due at closing. Uses and sources reconcile at $243,284.30 each. Not a Closing Disclosure.