Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$227,629Cash toward the purchase price.
Closing costs + prepaids$9,278Not just lender fees.
Before credits & paid funds$236,907The complete starting cash picture.
Estimated remaining funds due at closing
$236,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,629.17
Your down payment$227,629.17
Closing costs + prepaids$9,277.70
Total buyer cash needed$236,906.87
Remaining funds due$236,906.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$81.25
Prepaid interest, first (27 days)$172.45
Fees + prepaids$9,277.70
Your down payment is the seller’s equity. You take over the $52,271 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $236,906.87 is due at closing. Uses and sources reconcile at $289,177.70 each. Not a Closing Disclosure.