Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$237,772Cash toward the purchase price.
Closing costs + prepaids$9,021Not just lender fees.
Before credits & paid funds$246,793The complete starting cash picture.
Estimated remaining funds due at closing
$246,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,771.99
Your down payment$237,771.99
Closing costs + prepaids$9,021.18
Total buyer cash needed$246,793.17
Remaining funds due$246,793.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$317.00
Prepaid interest, first (24 days)$30.18
Fees + prepaids$9,021.18
Your down payment is the seller’s equity. You take over the $7,128 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $246,793.17 is due at closing. Uses and sources reconcile at $253,921.18 each. Not a Closing Disclosure.