Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,266Cash toward the purchase price.
Closing costs + prepaids$10,000Not just lender fees.
Before credits & paid funds$24,267The complete starting cash picture.
Estimated remaining funds due at closing
$24,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,266.11
Your down payment$14,266.11
Closing costs + prepaids$10,000.49
Total buyer cash needed$24,266.60
Remaining funds due$24,266.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,369.00
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)$422.75
Prepaid interest, first (24 days)$983.74
Fees + prepaids$10,000.49
Your down payment is the seller’s equity. You take over the $222,634 balance, so the rest of the $236,900 price is paid at closing. A second mortgage can cover part of it. $24,266.60 is due at closing. Uses and sources reconcile at $246,900.49 each. Not a Closing Disclosure.