Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$232,611Cash toward the purchase price.
Closing costs + prepaids$9,859Not just lender fees.
Before credits & paid funds$242,470The complete starting cash picture.
Estimated remaining funds due at closing
$242,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,610.57
Your down payment$232,610.57
Closing costs + prepaids$9,859.49
Total buyer cash needed$242,470.06
Remaining funds due$242,470.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,870.00
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)$304.75
Initial HOA (3 months)$345.00
Prepaid interest, first (22 days)$114.74
Fees + prepaids$9,859.49
Your down payment is the seller’s equity. You take over the $54,389 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $242,470.06 is due at closing. Uses and sources reconcile at $296,859.49 each. Not a Closing Disclosure.