Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$229,388Cash toward the purchase price.
Closing costs + prepaids$13,395Not just lender fees.
Before credits & paid funds$242,782The complete starting cash picture.
Estimated remaining funds due at closing
$242,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,387.72
Your down payment$229,387.72
Closing costs + prepaids$13,394.78
Total buyer cash needed$242,782.50
Remaining funds due$242,782.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,111.85
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,278.00
Prepaid interest, first (22 days)$529.93
Fees + prepaids$13,394.78
Your down payment is the seller’s equity. You take over the $281,797 balance, so the rest of the $511,185 price is paid at closing. A second mortgage can cover part of it. $242,782.50 is due at closing. Uses and sources reconcile at $524,579.78 each. Not a Closing Disclosure.