Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,664Cash toward the purchase price.
Closing costs + prepaids$10,198Not just lender fees.
Before credits & paid funds$46,862The complete starting cash picture.
Estimated remaining funds due at closing
$46,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,663.68
Your down payment$36,663.68
Closing costs + prepaids$10,197.97
Total buyer cash needed$46,861.65
Remaining funds due$46,861.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$321.25
Initial HOA (3 months)$141.00
Prepaid interest, first (31 days)$1,161.72
Fees + prepaids$10,197.97
Your down payment is the seller’s equity. You take over the $198,236 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $46,861.65 is due at closing. Uses and sources reconcile at $245,097.97 each. Not a Closing Disclosure.