Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$233,643Cash toward the purchase price.
Closing costs + prepaids$9,336Not just lender fees.
Before credits & paid funds$242,980The complete starting cash picture.
Estimated remaining funds due at closing
$242,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,643.48
Your down payment$233,643.48
Closing costs + prepaids$9,336.43
Total buyer cash needed$242,979.91
Remaining funds due$242,979.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$527.50
Prepaid interest, first (28 days)$84.93
Fees + prepaids$9,336.43
Your down payment is the seller’s equity. You take over the $16,257 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $242,979.91 is due at closing. Uses and sources reconcile at $259,236.43 each. Not a Closing Disclosure.