Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$224,879Cash toward the purchase price.
Closing costs + prepaids$9,282Not just lender fees.
Before credits & paid funds$234,160The complete starting cash picture.
Estimated remaining funds due at closing
$234,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,878.68
Your down payment$224,878.68
Closing costs + prepaids$9,281.53
Total buyer cash needed$234,160.21
Remaining funds due$234,160.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,640.00
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)$328.75
Prepaid interest, first (18 days)$87.78
Fees + prepaids$9,281.53
Your down payment is the seller’s equity. You take over the $39,121 balance, so the rest of the $264,000 price is paid at closing. A second mortgage can cover part of it. $234,160.21 is due at closing. Uses and sources reconcile at $273,281.53 each. Not a Closing Disclosure.