Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$225,567Cash toward the purchase price.
Closing costs + prepaids$9,874Not just lender fees.
Before credits & paid funds$235,441The complete starting cash picture.
Estimated remaining funds due at closing
$235,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,567.19
Your down payment$225,567.19
Closing costs + prepaids$9,873.71
Total buyer cash needed$235,440.90
Remaining funds due$235,440.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$505.75
Prepaid interest, first (26 days)$292.96
Fees + prepaids$9,873.71
Your down payment is the seller’s equity. You take over the $59,433 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $235,440.90 is due at closing. Uses and sources reconcile at $294,873.71 each. Not a Closing Disclosure.