Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$232,967Cash toward the purchase price.
Closing costs + prepaids$10,924Not just lender fees.
Before credits & paid funds$243,891The complete starting cash picture.
Estimated remaining funds due at closing
$243,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,966.99
Your down payment$232,966.99
Closing costs + prepaids$10,924.50
Total buyer cash needed$243,891.49
Remaining funds due$243,891.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$1,231.25
Initial HOA (3 months)$969.00
Prepaid interest, first (22 days)$49.25
Fees + prepaids$10,924.50
Your down payment is the seller’s equity. You take over the $12,033 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $243,891.49 is due at closing. Uses and sources reconcile at $255,924.50 each. Not a Closing Disclosure.