Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$234,702Cash toward the purchase price.
Closing costs + prepaids$164,780Not just lender fees.
Before credits & paid funds$399,481The complete starting cash picture.
Estimated remaining funds due at closing
$399,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,701.53
Your down payment$234,701.53
Closing costs + prepaids$164,779.84
Total buyer cash needed$399,481.37
Remaining funds due$399,481.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,372.76
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)$156,177.75
Prepaid interest, first (22 days)$4.33
Fees + prepaids$164,779.84
Your down payment is the seller’s equity. You take over the $2,574 balance, so the rest of the $237,276 price is paid at closing. A second mortgage can cover part of it. $399,481.37 is due at closing. Uses and sources reconcile at $402,055.84 each. Not a Closing Disclosure.