Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$229,371Cash toward the purchase price.
Closing costs + prepaids$9,765Not just lender fees.
Before credits & paid funds$239,136The complete starting cash picture.
Estimated remaining funds due at closing
$239,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,370.79
Your down payment$229,370.79
Closing costs + prepaids$9,765.32
Total buyer cash needed$239,136.11
Remaining funds due$239,136.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$366.00
Prepaid interest, first (12 days)$124.32
Fees + prepaids$9,765.32
Your down payment is the seller’s equity. You take over the $75,629 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $239,136.11 is due at closing. Uses and sources reconcile at $314,765.32 each. Not a Closing Disclosure.