Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$237,572Cash toward the purchase price.
Closing costs + prepaids$11,471Not just lender fees.
Before credits & paid funds$249,043The complete starting cash picture.
Estimated remaining funds due at closing
$249,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,571.89
Your down payment$237,571.89
Closing costs + prepaids$11,471.25
Total buyer cash needed$249,043.14
Remaining funds due$249,043.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$469.25
Prepaid interest, first (24 days)$477.01
Fees + prepaids$11,471.25
Your down payment is the seller’s equity. You take over the $192,427 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $249,043.14 is due at closing. Uses and sources reconcile at $441,470.25 each. Not a Closing Disclosure.