Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$237,222Cash toward the purchase price.
Closing costs + prepaids$9,797Not just lender fees.
Before credits & paid funds$247,019The complete starting cash picture.
Estimated remaining funds due at closing
$247,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,221.72
Your down payment$237,221.72
Closing costs + prepaids$9,797.29
Total buyer cash needed$247,019.01
Remaining funds due$247,019.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$288.00
Prepaid interest, first (26 days)$194.29
Fees + prepaids$9,797.29
Your down payment is the seller’s equity. You take over the $71,778 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $247,019.01 is due at closing. Uses and sources reconcile at $318,797.29 each. Not a Closing Disclosure.