Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$224,186Cash toward the purchase price.
Closing costs + prepaids$10,308Not just lender fees.
Before credits & paid funds$234,494The complete starting cash picture.
Estimated remaining funds due at closing
$234,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,185.71
Your down payment$224,185.71
Closing costs + prepaids$10,308.01
Total buyer cash needed$234,493.73
Remaining funds due$234,493.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$1,437.75
Prepaid interest, first (26 days)$95.26
Fees + prepaids$10,308.01
Your down payment is the seller’s equity. You take over the $30,814 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $234,493.73 is due at closing. Uses and sources reconcile at $265,308.01 each. Not a Closing Disclosure.