Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$228,151Cash toward the purchase price.
Closing costs + prepaids$11,514Not just lender fees.
Before credits & paid funds$239,665The complete starting cash picture.
Estimated remaining funds due at closing
$239,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,150.71
Your down payment$228,150.71
Closing costs + prepaids$11,513.90
Total buyer cash needed$239,664.61
Remaining funds due$239,664.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,744.00
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)$677.25
Initial HOA (3 months)$489.00
Prepaid interest, first (27 days)$378.65
Fees + prepaids$11,513.90
Your down payment is the seller’s equity. You take over the $146,249 balance, so the rest of the $374,400 price is paid at closing. A second mortgage can cover part of it. $239,664.61 is due at closing. Uses and sources reconcile at $385,913.90 each. Not a Closing Disclosure.