Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$233,265Cash toward the purchase price.
Closing costs + prepaids$9,612Not just lender fees.
Before credits & paid funds$242,877The complete starting cash picture.
Estimated remaining funds due at closing
$242,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,265.30
Your down payment$233,265.30
Closing costs + prepaids$9,611.81
Total buyer cash needed$242,877.10
Remaining funds due$242,877.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$797.00
Initial HOA (3 months)$162.00
Prepaid interest, first (23 days)$28.81
Fees + prepaids$9,611.81
Your down payment is the seller’s equity. You take over the $6,635 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $242,877.10 is due at closing. Uses and sources reconcile at $249,511.81 each. Not a Closing Disclosure.