Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$234,417Cash toward the purchase price.
Closing costs + prepaids$9,056Not just lender fees.
Before credits & paid funds$243,473The complete starting cash picture.
Estimated remaining funds due at closing
$243,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,417.28
Your down payment$234,417.28
Closing costs + prepaids$9,055.74
Total buyer cash needed$243,473.01
Remaining funds due$243,473.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$200.50
Prepaid interest, first (22 days)$81.24
Fees + prepaids$9,055.74
Your down payment is the seller’s equity. You take over the $20,483 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $243,473.01 is due at closing. Uses and sources reconcile at $263,955.74 each. Not a Closing Disclosure.