Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,738Cash toward the purchase price.
Closing costs + prepaids$9,954Not just lender fees.
Before credits & paid funds$35,692The complete starting cash picture.
Estimated remaining funds due at closing
$35,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,737.95
Your down payment$25,737.95
Closing costs + prepaids$9,953.58
Total buyer cash needed$35,691.53
Remaining funds due$35,691.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,380.00
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)$295.00
Prepaid interest, first (27 days)$1,053.58
Fees + prepaids$9,953.58
Your down payment is the seller’s equity. You take over the $212,262 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $35,691.53 is due at closing. Uses and sources reconcile at $247,953.58 each. Not a Closing Disclosure.