Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$236,599Cash toward the purchase price.
Closing costs + prepaids$10,301Not just lender fees.
Before credits & paid funds$246,899The complete starting cash picture.
Estimated remaining funds due at closing
$246,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,598.74
Your down payment$236,598.74
Closing costs + prepaids$10,300.57
Total buyer cash needed$246,899.31
Remaining funds due$246,899.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,589.00
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)$310.75
Initial HOA (3 months)$1,155.00
Prepaid interest, first (12 days)$20.82
Fees + prepaids$10,300.57
Your down payment is the seller’s equity. You take over the $22,301 balance, so the rest of the $258,900 price is paid at closing. A second mortgage can cover part of it. $246,899.31 is due at closing. Uses and sources reconcile at $269,200.57 each. Not a Closing Disclosure.