Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$229,327Cash toward the purchase price.
Closing costs + prepaids$10,382Not just lender fees.
Before credits & paid funds$239,709The complete starting cash picture.
Estimated remaining funds due at closing
$239,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,326.78
Your down payment$229,326.78
Closing costs + prepaids$10,381.97
Total buyer cash needed$239,708.75
Remaining funds due$239,708.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,487.77
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)$1,570.00
Prepaid interest, first (26 days)$99.20
Fees + prepaids$10,381.97
Your down payment is the seller’s equity. You take over the $19,450 balance, so the rest of the $248,777 price is paid at closing. A second mortgage can cover part of it. $239,708.75 is due at closing. Uses and sources reconcile at $259,158.97 each. Not a Closing Disclosure.