Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,253Cash toward the purchase price.
Closing costs + prepaids$11,042Not just lender fees.
Before credits & paid funds$22,296The complete starting cash picture.
Estimated remaining funds due at closing
$22,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,253.48
Your down payment$11,253.48
Closing costs + prepaids$11,042.27
Total buyer cash needed$22,295.75
Remaining funds due$22,295.75
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)$890.25
Prepaid interest, first (31 days)$1,477.02
Fees + prepaids$11,042.27
Your down payment is the seller’s equity. You take over the $233,747 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $22,295.75 is due at closing. Uses and sources reconcile at $256,042.27 each. Not a Closing Disclosure.