Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,685Cash toward the purchase price.
Closing costs + prepaids$8,584Not just lender fees.
Before credits & paid funds$242,269The complete starting cash picture.
Estimated remaining funds due at closing
$242,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,685.27
Your down payment$233,685.27
Closing costs + prepaids$8,583.55
Total buyer cash needed$242,268.83
Remaining funds due$242,268.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (31 days)$8.55
Fees + prepaids$8,583.55
Your down payment is the seller’s equity. You take over the $1,315 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $242,268.83 is due at closing. Uses and sources reconcile at $243,583.55 each. Not a Closing Disclosure.