Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$231,539Cash toward the purchase price.
Closing costs + prepaids$12,606Not just lender fees.
Before credits & paid funds$244,145The complete starting cash picture.
Estimated remaining funds due at closing
$244,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,538.70
Your down payment$231,538.70
Closing costs + prepaids$12,606.26
Total buyer cash needed$244,144.96
Remaining funds due$244,144.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Prepaid interest, first (12 days)$364.26
Fees + prepaids$12,606.26
Your down payment is the seller’s equity. You take over the $283,361 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $244,144.96 is due at closing. Uses and sources reconcile at $527,506.26 each. Not a Closing Disclosure.