Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$230,959Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$241,572The complete starting cash picture.
Estimated remaining funds due at closing
$241,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,958.93
Your down payment$230,958.93
Closing costs + prepaids$10,612.89
Total buyer cash needed$241,571.82
Remaining funds due$241,571.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.14
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)$437.50
Initial HOA (3 months)$300.00
Prepaid interest, first (13 days)$151.25
Fees + prepaids$10,612.89
Your down payment is the seller’s equity. You take over the $118,955 balance, so the rest of the $349,914 price is paid at closing. A second mortgage can cover part of it. $241,571.82 is due at closing. Uses and sources reconcile at $360,526.89 each. Not a Closing Disclosure.