Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$231,854Cash toward the purchase price.
Closing costs + prepaids$9,541Not just lender fees.
Before credits & paid funds$241,395The complete starting cash picture.
Estimated remaining funds due at closing
$241,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,854.48
Your down payment$231,854.48
Closing costs + prepaids$9,540.89
Total buyer cash needed$241,395.37
Remaining funds due$241,395.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$250.75
Prepaid interest, first (31 days)$166.14
Fees + prepaids$9,540.89
Your down payment is the seller’s equity. You take over the $58,046 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $241,395.37 is due at closing. Uses and sources reconcile at $299,440.89 each. Not a Closing Disclosure.