Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$232,765Cash toward the purchase price.
Closing costs + prepaids$8,895Not just lender fees.
Before credits & paid funds$241,660The complete starting cash picture.
Estimated remaining funds due at closing
$241,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,765.02
Your down payment$232,765.02
Closing costs + prepaids$8,895.43
Total buyer cash needed$241,660.44
Remaining funds due$241,660.44
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)$163.50
Prepaid interest, first (27 days)$56.93
Fees + prepaids$8,895.43
Your down payment is the seller’s equity. You take over the $12,235 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $241,660.44 is due at closing. Uses and sources reconcile at $253,895.43 each. Not a Closing Disclosure.