Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$232,967Cash toward the purchase price.
Closing costs + prepaids$10,942Not just lender fees.
Before credits & paid funds$243,909The complete starting cash picture.
Estimated remaining funds due at closing
$243,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,966.99
Your down payment$232,966.99
Closing costs + prepaids$10,942.40
Total buyer cash needed$243,909.40
Remaining funds due$243,909.40
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)$1,231.25
Initial HOA (3 months)$969.00
Prepaid interest, first (30 days)$67.15
Fees + prepaids$10,942.40
Your down payment is the seller’s equity. You take over the $12,033 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $243,909.40 is due at closing. Uses and sources reconcile at $255,942.40 each. Not a Closing Disclosure.