Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$233,034Cash toward the purchase price.
Closing costs + prepaids$9,262Not just lender fees.
Before credits & paid funds$242,296The complete starting cash picture.
Estimated remaining funds due at closing
$242,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,033.86
Your down payment$233,033.86
Closing costs + prepaids$9,262.29
Total buyer cash needed$242,296.14
Remaining funds due$242,296.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$264.50
Prepaid interest, first (20 days)$122.79
Fees + prepaids$9,262.29
Your down payment is the seller’s equity. You take over the $31,966 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $242,296.14 is due at closing. Uses and sources reconcile at $274,262.29 each. Not a Closing Disclosure.