Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$228,236Cash toward the purchase price.
Closing costs + prepaids$10,977Not just lender fees.
Before credits & paid funds$239,212The complete starting cash picture.
Estimated remaining funds due at closing
$239,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,235.58
Your down payment$228,235.58
Closing costs + prepaids$10,976.89
Total buyer cash needed$239,212.46
Remaining funds due$239,212.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$465.25
Prepaid interest, first (30 days)$537.64
Fees + prepaids$10,976.89
Your down payment is the seller’s equity. You take over the $146,664 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $239,212.46 is due at closing. Uses and sources reconcile at $385,876.89 each. Not a Closing Disclosure.