Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$1,461Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$11,063The complete starting cash picture.
Estimated remaining funds due at closing
$11,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,460.95
Your down payment$1,460.95
Closing costs + prepaids$9,602.03
Total buyer cash needed$11,062.97
Remaining funds due$11,062.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$298.75
Prepaid interest, first (16 days)$688.28
Fees + prepaids$9,602.03
Your down payment is the seller’s equity. You take over the $237,539 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $11,062.97 is due at closing. Uses and sources reconcile at $248,602.03 each. Not a Closing Disclosure.