Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$235,753Cash toward the purchase price.
Closing costs + prepaids$9,609Not just lender fees.
Before credits & paid funds$245,362The complete starting cash picture.
Estimated remaining funds due at closing
$245,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,753.12
Your down payment$235,753.12
Closing costs + prepaids$9,608.75
Total buyer cash needed$245,361.86
Remaining funds due$245,361.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,894.00
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)$326.25
Prepaid interest, first (27 days)$163.50
Fees + prepaids$9,608.75
Your down payment is the seller’s equity. You take over the $53,647 balance, so the rest of the $289,400 price is paid at closing. A second mortgage can cover part of it. $245,361.86 is due at closing. Uses and sources reconcile at $299,008.75 each. Not a Closing Disclosure.