Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$14,266Cash toward the purchase price.
Closing costs + prepaids$9,624Not just lender fees.
Before credits & paid funds$23,890The complete starting cash picture.
Estimated remaining funds due at closing
$23,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,266.11
Your down payment$14,266.11
Closing costs + prepaids$9,623.85
Total buyer cash needed$23,889.96
Remaining funds due$23,889.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,369.00
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)$456.00
Prepaid interest, first (14 days)$573.85
Fees + prepaids$9,623.85
Your down payment is the seller’s equity. You take over the $222,634 balance, so the rest of the $236,900 price is paid at closing. A second mortgage can cover part of it. $23,889.96 is due at closing. Uses and sources reconcile at $246,523.85 each. Not a Closing Disclosure.