Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$229,048Cash toward the purchase price.
Closing costs + prepaids$22,034Not just lender fees.
Before credits & paid funds$251,082The complete starting cash picture.
Estimated remaining funds due at closing
$251,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,047.78
Your down payment$229,047.78
Closing costs + prepaids$22,034.15
Total buyer cash needed$251,081.92
Remaining funds due$251,081.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,741.75
Initial HOA (3 months)$18.75
Prepaid interest, first (28 days)$3,648.65
Fees + prepaids$22,034.15
Your down payment is the seller’s equity. You take over the $710,952 balance, so the rest of the $940,000 price is paid at closing. A second mortgage can cover part of it. $251,081.92 is due at closing. Uses and sources reconcile at $962,034.15 each. Not a Closing Disclosure.