Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$223,839Cash toward the purchase price.
Closing costs + prepaids$10,357Not just lender fees.
Before credits & paid funds$234,196The complete starting cash picture.
Estimated remaining funds due at closing
$234,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,838.69
Your down payment$223,838.69
Closing costs + prepaids$10,357.13
Total buyer cash needed$234,195.82
Remaining funds due$234,195.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,355.00
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)$1,722.00
Prepaid interest, first (24 days)$55.13
Fees + prepaids$10,357.13
Your down payment is the seller’s equity. You take over the $11,661 balance, so the rest of the $235,500 price is paid at closing. A second mortgage can cover part of it. $234,195.82 is due at closing. Uses and sources reconcile at $245,857.13 each. Not a Closing Disclosure.