Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$237,928Cash toward the purchase price.
Closing costs + prepaids$12,819Not just lender fees.
Before credits & paid funds$250,746The complete starting cash picture.
Estimated remaining funds due at closing
$250,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,927.51
Your down payment$237,927.51
Closing costs + prepaids$12,818.69
Total buyer cash needed$250,746.20
Remaining funds due$250,746.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$115.25
Prepaid interest, first (24 days)$728.45
Fees + prepaids$12,818.69
Your down payment is the seller’s equity. You take over the $312,071 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $250,746.20 is due at closing. Uses and sources reconcile at $562,817.69 each. Not a Closing Disclosure.