Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,788Cash toward the purchase price.
Closing costs + prepaids$10,483Not just lender fees.
Before credits & paid funds$244,272The complete starting cash picture.
Estimated remaining funds due at closing
$244,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,788.47
Your down payment$233,788.47
Closing costs + prepaids$10,483.14
Total buyer cash needed$244,271.61
Remaining funds due$244,271.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,047.77
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)$953.75
Initial HOA (3 months)$27.51
Prepaid interest, first (31 days)$229.11
Fees + prepaids$10,483.14
Your down payment is the seller’s equity. You take over the $70,989 balance, so the rest of the $304,777 price is paid at closing. A second mortgage can cover part of it. $244,271.61 is due at closing. Uses and sources reconcile at $315,260.14 each. Not a Closing Disclosure.