Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$234,213Cash toward the purchase price.
Closing costs + prepaids$9,952Not just lender fees.
Before credits & paid funds$244,165The complete starting cash picture.
Estimated remaining funds due at closing
$244,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,213.29
Your down payment$234,213.29
Closing costs + prepaids$9,951.85
Total buyer cash needed$244,165.14
Remaining funds due$244,165.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$500.25
Initial HOA (3 months)$224.01
Prepaid interest, first (20 days)$153.59
Fees + prepaids$9,951.85
Your down payment is the seller’s equity. You take over the $50,687 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $244,165.14 is due at closing. Uses and sources reconcile at $294,851.85 each. Not a Closing Disclosure.