Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$235,936Cash toward the purchase price.
Closing costs + prepaids$9,433Not just lender fees.
Before credits & paid funds$245,369The complete starting cash picture.
Estimated remaining funds due at closing
$245,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,936.21
Your down payment$235,936.21
Closing costs + prepaids$9,433.14
Total buyer cash needed$245,369.34
Remaining funds due$245,369.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$186.50
Prepaid interest, first (29 days)$231.64
Fees + prepaids$9,433.14
Your down payment is the seller’s equity. You take over the $43,064 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $245,369.34 is due at closing. Uses and sources reconcile at $288,433.14 each. Not a Closing Disclosure.