Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$224,649Cash toward the purchase price.
Closing costs + prepaids$9,694Not just lender fees.
Before credits & paid funds$234,343The complete starting cash picture.
Estimated remaining funds due at closing
$234,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,649.18
Your down payment$224,649.18
Closing costs + prepaids$9,693.74
Total buyer cash needed$234,342.92
Remaining funds due$234,342.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$280.25
Prepaid interest, first (23 days)$188.50
Fees + prepaids$9,693.74
Your down payment is the seller’s equity. You take over the $75,350 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $234,342.92 is due at closing. Uses and sources reconcile at $309,692.74 each. Not a Closing Disclosure.