Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$234,891Cash toward the purchase price.
Closing costs + prepaids$10,662Not just lender fees.
Before credits & paid funds$245,553The complete starting cash picture.
Estimated remaining funds due at closing
$245,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,891.09
Your down payment$234,891.09
Closing costs + prepaids$10,661.67
Total buyer cash needed$245,552.76
Remaining funds due$245,552.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$571.25
Prepaid interest, first (25 days)$275.42
Fees + prepaids$10,661.67
Your down payment is the seller’s equity. You take over the $124,109 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $245,552.76 is due at closing. Uses and sources reconcile at $369,661.67 each. Not a Closing Disclosure.