Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$227,867Cash toward the purchase price.
Closing costs + prepaids$8,819Not just lender fees.
Before credits & paid funds$236,686The complete starting cash picture.
Estimated remaining funds due at closing
$236,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,867.21
Your down payment$227,867.21
Closing costs + prepaids$8,819.00
Total buyer cash needed$236,686.21
Remaining funds due$236,686.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$98.75
Prepaid interest, first (31 days)$45.25
Fees + prepaids$8,819.00
Your down payment is the seller’s equity. You take over the $17,133 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $236,686.21 is due at closing. Uses and sources reconcile at $253,819.00 each. Not a Closing Disclosure.