Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$232,062Cash toward the purchase price.
Closing costs + prepaids$13,656Not just lender fees.
Before credits & paid funds$245,718The complete starting cash picture.
Estimated remaining funds due at closing
$245,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,062.26
Your down payment$232,062.26
Closing costs + prepaids$13,655.79
Total buyer cash needed$245,718.05
Remaining funds due$245,718.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.99
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)$1,312.50
Prepaid interest, first (24 days)$618.30
Fees + prepaids$13,655.79
Your down payment is the seller’s equity. You take over the $292,937 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $245,718.05 is due at closing. Uses and sources reconcile at $538,654.79 each. Not a Closing Disclosure.