Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$234,297Cash toward the purchase price.
Closing costs + prepaids$10,620Not just lender fees.
Before credits & paid funds$244,917The complete starting cash picture.
Estimated remaining funds due at closing
$244,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,296.54
Your down payment$234,296.54
Closing costs + prepaids$10,619.97
Total buyer cash needed$244,916.52
Remaining funds due$244,916.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$462.50
Prepaid interest, first (16 days)$232.57
Fees + prepaids$10,619.97
Your down payment is the seller’s equity. You take over the $135,693 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $244,916.52 is due at closing. Uses and sources reconcile at $380,609.97 each. Not a Closing Disclosure.