Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$229,821Cash toward the purchase price.
Closing costs + prepaids$20,534Not just lender fees.
Before credits & paid funds$250,355The complete starting cash picture.
Estimated remaining funds due at closing
$250,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,820.66
Your down payment$229,820.66
Closing costs + prepaids$20,534.10
Total buyer cash needed$250,354.76
Remaining funds due$250,354.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$801.75
Prepaid interest, first (23 days)$3,008.35
Fees + prepaids$20,534.10
Your down payment is the seller’s equity. You take over the $720,079 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $250,354.76 is due at closing. Uses and sources reconcile at $970,434.10 each. Not a Closing Disclosure.