Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$235,066Cash toward the purchase price.
Closing costs + prepaids$9,753Not just lender fees.
Before credits & paid funds$244,818The complete starting cash picture.
Estimated remaining funds due at closing
$244,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,065.83
Your down payment$235,065.83
Closing costs + prepaids$9,752.65
Total buyer cash needed$244,818.47
Remaining funds due$244,818.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$236.25
Prepaid interest, first (24 days)$192.40
Fees + prepaids$9,752.65
Your down payment is the seller’s equity. You take over the $74,834 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $244,818.47 is due at closing. Uses and sources reconcile at $319,652.65 each. Not a Closing Disclosure.