Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$233,919Cash toward the purchase price.
Closing costs + prepaids$9,225Not just lender fees.
Before credits & paid funds$243,145The complete starting cash picture.
Estimated remaining funds due at closing
$243,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,919.33
Your down payment$233,919.33
Closing costs + prepaids$9,225.36
Total buyer cash needed$243,144.69
Remaining funds due$243,144.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$468.75
Prepaid interest, first (17 days)$31.61
Fees + prepaids$9,225.36
Your down payment is the seller’s equity. You take over the $16,081 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $243,144.69 is due at closing. Uses and sources reconcile at $259,225.36 each. Not a Closing Disclosure.