Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$238,412Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$249,002The complete starting cash picture.
Estimated remaining funds due at closing
$249,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,412.39
Your down payment$238,412.39
Closing costs + prepaids$10,589.26
Total buyer cash needed$249,001.65
Remaining funds due$249,001.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$414.50
Prepaid interest, first (25 days)$349.77
Fees + prepaids$10,589.26
Your down payment is the seller’s equity. You take over the $121,587 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $249,001.65 is due at closing. Uses and sources reconcile at $370,588.26 each. Not a Closing Disclosure.