Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,166Cash toward the purchase price.
Closing costs + prepaids$9,271Not just lender fees.
Before credits & paid funds$210,437The complete starting cash picture.
Estimated remaining funds due at closing
$210,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,166.44
Your down payment$201,166.44
Closing costs + prepaids$9,270.60
Total buyer cash needed$210,437.04
Remaining funds due$210,437.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$606.50
Prepaid interest, first (31 days)$139.10
Fees + prepaids$9,270.60
Your down payment is the seller’s equity. You take over the $28,834 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $210,437.04 is due at closing. Uses and sources reconcile at $239,270.60 each. Not a Closing Disclosure.